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Predictive AI Budgeting: How Your Bank App Is Starting to Warn You Before You Overspend

For most of the history of personal finance apps, “budgeting” meant looking backward. You’d open an app, see a pie chart of last month’s spending, and get a gentle, useless reminder that you spent too much on takeout — three weeks after the money was already gone. The app was a mirror, not a guide. It could tell you what…