AI chatbots are moving closer to one of the most sensitive parts of daily life: money. A new UK financial regulator review says artificial intelligence could reshape retail financial services by 2030, from personal finance tools to customer support and autonomous money management.

In this episode of Today, But Stranger, we explain what the FCA’s Mills Review actually says, why AI financial advice is so hard to regulate, and why the real issue is not whether chatbots sound confident, but whether people know when they are receiving regulated advice.

The future of finance may not arrive as a bank branch or a trading floor. It may arrive as a friendly box of text asking what you want to do next.