Is "Behavioral Intelligence" the next layer of fintech after open banking and AI?

Over the last year, I've been building an AI infrastructure company for financial institutions, and one thing has become increasingly clear to me.

Most fintechs have solved access to financial data.

Open banking platforms like Plaid made data accessible.

Analytics platforms made it measurable.

AI made it easier to summarize.

But I don't think we've solved understanding.

Millions of transactions tell us what happened.

Very few products explain:

• Why spending habits are changing

• Which financial behaviors are improving

• When cash flow is becoming less predictable

• How financial confidence evolves over time

• What insights would actually help a customer

That has me wondering if the next competitive advantage isn't better dashboards or bigger LLMs—but behavioral financial intelligence.

Imagine every banking app, fintech, credit union, or advisor platform understanding not just balances and transactions, but the patterns behind them.

I'm curious what others think.

A few questions for the community:

• Do you think fintech has become too focused on dashboards instead of understanding?

• If you build fintech products, what's the hardest part about turning financial data into something customers actually find valuable?

• If behavioral intelligence existed as infrastructure (similar to how Stripe became payments infrastructure or Plaid became data infrastructure), would your team build on top of it?

I'd love to hear different perspectives—even if you disagree. I think we're still in the early days of defining what the next generation of financial products looks like.