28 million UK adults are now using AI for personal finance. One in three of them every week.

We dig into Lloyds Banking Group's 2025 Consumer Digital Index and what it means for the FS brands trying to stay visible in a world where ChatGPT is doing the top-of-funnel research.

Pat shares what happened when he turned Claude Code loose on a year of bank statements. Russell looks at the UX of trust. Paul plays devil's advocate on the sycophants and the scams. And we tackle the data-privacy question every FS marketer should be asking: when ads land in ChatGPT, what does your bank statement say about you?

Plus: a jargon buster on ETFs.

Takeaways

AI in personal finance
Trust and concerns about AI
Data privacy and security Monetisation through AI advertising
Impact of AI on financial services brands

Chapters

00:00 - Introduction and Personal Updates

04:03 - Exploring AI in Personal Finance

08:37 - Trust and Accuracy in AI Financial Advice

16:47 - The Future of AI in Financial Planning

21:00 - Concerns about data privacy & security

26:31 - The Accessibility Challenge of AI Tools

27:25 - Monetisation and Advertising in AI

28:11 - User Experience and Trust in AI

31:13 - Implications for Financial Services Brands

35:11 - The Future of Personal AI Assistants

39:36 - The Race for Personal and Business Assistants

44:05 - Jargon Busters: ETFs