I don't think all individual apps will become obsolete. Some apps, especially those related to secure data like finance, would be governed by the AI policies (fingers-crossed) because IMHO most users are not comfortable giving an LLM/AI the access to their bank accounts/data.

In China they already have super apps that do everything. Small businesses barely create their own apps.

That said users will do things that have already become habit. Younger gen usually adopts the new stuff.

That's my opinion too. You talk to your AI assistant for everything anyway, it just needs the tools to structurally execute the things you want. The new apps will be the MCP servers.

PS: I wanted to replace all my tracking apps and built dashly.si, it is a dumb visualization tool where brain is still your AI assistant.

This will only work if tokens are close to free or you can run close to frontier models on your own hardware.

Also, prompting is like using the command line to some degree. Most people need something visual.

So banking apps will be obsolete, because AI?

You are in a bubble.