The AI era is creating a “new type of customer” that traditional banking systems cannot accommodate, and this could greatly accelerate the emergence of Neo Banks. I believe that anyone who seizes this trend and is at the forefront of it—whether investors, entrepreneurs, or anyone else—can become wealthy and transform their lives. Looking back at the history of banking, one thing that has never changed is: “The entire system is designed for humans.” > Opening an account requires an identity. > Documents are required. > Identity verification is necessary. > The KYC (Know Your Customer) process must be completed. This entire structure is based on one simple assumption: “All customers are human.” Therefore, traditional financial systems are designed to support three groups: 1. Individuals 2. Companies 3. Institutions But in recent years, a new type of player has emerged in the economic system: > It’s not a company. > It’s not an individual. >> “It’s AI Agents.” The new economy is gaining “non-human players,” which many technology investors are beginning to talk about as “The Agent Economy.” The concept is very simple: in the future, AI will no longer be just a tool for humans. But it will become something almost alive that can > work > make decisions > transact > and generate income = do everything by itself. AI is beginning to play a role as an economic participant, but the financial system wasn't built for this. __________________________________________________________________ The problem is that the traditional banking system wasn't built for this. When AI starts generating income, the crucial question immediately arises: How will AI receive the money? In a traditional financial system, AI cannot open a bank account because it lacks: 1. An identity card 2. A personal identification number 3. Legal identity This prevents banking systems from onboarding AI into their systems, not because banks don't want to, but because the structure of the existing system doesn't allow it. _______________________________________________________________ In my opinion, the economy is shifting from institution-based to software-based. In the past, participation in the economy had to go through institutions such as: - Banks - Companies - Government But in the age of the Internet and AI, many economies are beginning to emerge on What are called "Software Networks"? Software network = A network built and controlled by software. A simple example is Grab/Lineman. In the past, if you wanted to drive a taxi, you had to: 1. Join a company 2. Have a license 3. Have a dispatch system But Grab/Lineman changed everything into a software network where the system can directly connect: - Drivers - Passengers - Payment > __________________________________________________________________ Now, technology companies are becoming financial companies, as the saying goes: "Every software company will eventually become a fintech company." The reason is straightforward: when software starts controlling the economy, software must also control finance. This is why we're starting to see many technology companies creating their own: > Wallets > Payment layers > Financial services = Look at Lineman, Grab, Shopee, Lazada. Every app has financial services. I've written a brief overview, but I wanted to show you that there are many business and investment opportunities. It depends on who can see those opportunities. This is not financial advice. Investing carries extreme risk. Please ascend the mountain by yourself.