Why we're removing AI from our app (and putting our app in AI instead)

Everyone is racing to put AI inside their apps. We did too, and then we decided it was the wrong approach.

I sat down with my co-founder, Ryan Harmon, to talk about why we changed direction at MetriFi. Instead of trying to recreate the experience of ChatGPT or Claude inside our software, we asked a different question: Why not put our software directly into the AI people are already using?

That shift has changed the way we think about building software. I’m increasingly convinced AI isn’t just another feature. It’s becoming a new operating system for work. Our new rule at MetriFi is simple: don’t build a user interface unless a human actually needs to be in the loop.

Ryan and I also explore what this could mean for banks and credit unions. What if the next generation of digital banking isn’t won by building the best banking app, but by making your institution accessible to the AI your members already use every day?

Timestamps

00:00 Two approaches to AI
03:06 Put AI in your app or put your app in AI?
06:53 Why AI inside every app is changing
10:30 The connector-first approach
16:03 Working across apps without leaving AI
20:43 AI as the new operating system
22:22 Why we changed MetriFi’s AI strategy
23:36 GEO and the future of financial institutions
26:20 Rethinking how we build software
29:03 Our new rule for user interfaces
39:50 From 27 GEO interfaces to one
44:28 What this means for banks and credit unions
48:06 Banking directly inside ChatGPT
51:24 A leapfrog opportunity for community institutions
56:31 Can AI just use websites instead?
1:00:39 Where I’d invest if I ran a credit union
1:01:19 Why we’re making this bet with MetriFi

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