As appealing as the opportunities appear, my naive guess is that "neat" is superseded by "regulated" but this makes me wonder... while finances are about as graphically personal as information can be, the optimization potential for billions of people, each with hundreds of choices, is astounding.

How could this computation be performed locally, in a directly parallel device, and in a way that protects the consumer? How about smart (real: assistive AI) cards as a disruptive technology?