If Vibe Coding Builds Software On Demand, What Is a Fintech Vendor For?
mikeflache · x · 2026-10-29
- A bank head of innovation argues fintech vendors may soon be unnecessary: describe what you need, have an app built in days.
- The idea has heavyweight backing—Nadella says agents like Copilot will take over Excel/Word usage; Musk predicts phones without apps within 5-6 years.
- Vibe coding is how this reaches banks first; if a feature can be produced in an afternoon, features stop being worth paying for.
- Author pushes back: at a roundtable, 20 senior people averaged 6/10 on AI embeddedness—vendors scored themselves 10, some financial institutions scored 1.
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