MX’s 2024 predictions highlight financial data intelligence as the key driver of transformation. With Mint shutting down, standalone PFM tools will give way to embedded financial wellness, integrated into daily life through workplaces and digital banking. Personalization will deepen as AI and enriched data make insights more actionable, moving beyond generic offers. Bank-fintech partnerships will evolve toward sustainable models, balancing compliance and customer experience while focusing on measurable value. Finally, Open Banking will face growing pains as CFPB’s Section 1033 rule progresses, requiring industry-wide standards, new tools, and consumer education.

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