You run the app at a digital bank with 13 million customers. Design AI money insights. What do you show, when, and what must it never say?

Regulator field trials found automatic overdraft alerts cut charges by a quarter while opt-in alerts barely moved. Start with timely alerts on by default, fix categorisation, answer questions on demand and stay away from investment advice.

Updated Nov 2026 · Original practice questions with worked answers and teaching rubrics. Our editorial policy explains the sources, review process and limits.