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AI agents could move cash toward higher interest accounts

The shift could pressure banks that rely on cheap deposits, according to WSJ Markets.

Reported · Written up by our desk · Sectors

WSJ Markets reports that AI agents could increasingly automate where money sits, including routing cash to accounts that offer higher interest rates.

The outlet says this dynamic could threaten banks’ access to low-cost deposits, a key part of their funding model.

WSJ Markets frames the potential risk as a change in customer behavior, where “lazy” deposit patterns may be disrupted by more automated decision-making.

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