The biggest annoyance with personal finance for me is bill paying and has little that ai can address. Either you let a bunch of third party systems automatically bill your account or you have to login to each billing account, find the amount, look up the pay date etc... And thats just one core problem - the other automation issue is actually logging into every billing account. And not thanks to a centralized thired party holding every password to every financial account I have.

At least some institutions are getting alternative pay only access profiles but its a slim minority and they close but not quite what is needed for secure consumer side automated bill paying