Exploring Japan with ChatGPT: A Travel Experience Review 

4

October

2025

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During my bachelor’s exchange in Hong Kong, China, I had the opportunity to go for a ten-day trip to Japan, visiting Osaka, Kyoto and Tokyo with four more friends. Since I generally really enjoy planning things in my everyday life, I decided to approach this trip with a similar mindset. Normally, I spent multiple hours with scrolling through different websites and travel platforms. However, this time I decided to try something completely new: I asked ChatGPT to plan our whole trip. Within this blog I not only want to share my experiences during my time in Japan but also reflect on how Generative AI changed my overall travelling impressions.

I was born and raised in Germany, indicating my knowledge about Japan and its culture was very little. Therefore, I just asked ChatGPT to schedule my trip and consider the arrival dates, the most famous sights and some local restaurants within each city. Within just a few seconds, the Generative AI created a detailed ten-day schedule, which included not only sightseeing highlights but also train connections and potential hotel stays. When I shared this plan with my friends, we were all amazed what ChatGPT is capable of. Furthermore, we felt more comfortable as we did not really have a created a schedule before and we were flying the next day.

During the trip we completely followed the agenda given from ChatGPT, which indeed turned out to be helpful. Especially in Tokyo, one of the world’s largest cities, we knew exactly which train line to take and which sights we wanted to see. Therefore, our schedule gave as the feeling of maximizing our travelling experience in terms of the limited number of time we had.

Looking back, I realized that Generative AI not only optimized our trip but also significantly shaped the way we experienced Japan. On the one hand, it gave us structure and efficiency, as discussed before. On the other hand, it also introduced some unintended consequences we have not thought of. First, ChatGPT tended to prioritize the most famous attractions of each city, which often turned out to be overcrowded by tourists rather than authentic. Moreover, I also noticed that not all information were accurate. Opening hours of restaurants often slightly differed from what we expected based on ChatGPT.

Reflecting on the overall experience, I now have a different perspective on using Generative AI for planning my trips, specifically when referring to the downsides mentioned. 

But what does this decision indicate beyond travelling? Can Generative AI shape our future everyday activities and guides us through our everyday life? According to Shi (2024), tools such as ChatGPT can indeed handle complex tasks, save time and guide us through complex problems within our professional and everyday life. For example, recently Generative AI passed the hardest examination for Chartered Financial Analyst within only minutes.

However, I do believe that that creativity and emotions are essential factors to consider when making choices or exercising activities. Especially, the Japan trip illustrated this contrast very clearly: AI can give people orientation and guidance, but in my case also reduced the overall experience to a simple travel checklist. This highlights the fact that emotions and creativity, are the essence of human experience, in general, and stay beyond the reach of Generative AI. 

Consequently, when planning my next trip, I would be willing to invest more time to plan activities myself and leave space for moments, where I do not really have a plan what to do next. I do believe that these moments are often times where the most memorable stories actually begin.

Would you be willing to travel only with the information given by Generative AI tools. I am excited to read your thoughts and comments on this post. Please feel free to reach out if there are any questions!

Sources

Advisor, W. (2025, September 25). A new study finds AI can pass financial analyst exam in minutes. The Wealth Advisor. https://www.thewealthadvisor.com/article/new-study-finds-ai-can-pass-financial-analyst-exam-minutes

Shi, D. (2024). Use ChatGPT to maximize everyday efficiency. Naturalis Scientias. http://naturalisscientias.com/wp-content/uploads/2024/01/ns2024010106.pdf

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The Rise of FinTech: Is this the End of Bank Issued Credit Cards?

18

September

2025

5/5 (1)

Case: Apple Card 

Introduction

According to Armah et al. (2023), the financial service industry is undergoing a rapid major transformation as FinTech companies and digital wallets are increasingly challenging credit cards issued by traditional banks. Consumers preferences are shifting to a more seamless and digital payment solution that offers speed and while providing data insights to improve financial decisions (Armah et al., 2023). Traditional banks often struggle to compete in this environment as their services are strictly orientated to their legal systems and more complicated operating cycles, which significantly triggers a less intuitive user experience (Stulz, 2019). In contrast, various FinTech companies are offering a digital user experience, which is characterized by real time tracking, personal insights and integration within their smartphones (Armah et al., 2023). Within this trend Apple’s entry into the financial sector by launching the Apple Card illustrates how tech driven companies aim to digitally disrupt the classical financial services market (Apple, 2025).

Case: Apple Card

According to Apple, the Apple Card is more than just a credit card (Apple, 2025). The credit card, which was published in 2019, serves as a strategic addition to the Apple Ecosystem. The product allows the company to combine not only hardware and software but also financial activities within one user experience, which goes beyond classical banking systems (Apple, 2025). Apple Card builds up on Apple existing Apple Pay feature where people can make digital transactions across different merchants (Apple, 2025). In our lecture of session five, direct and indirect network effects were discussed. By collecting the data from users, Apple is specifically able to benefit from indirect network effects. The more customers make use of the card, the more data Apple gains, which significantly helps the company to optimize and enhance its features in various niches of its ecosystem. 

Combining the fact of providing a digital platform while benefitting from network effects, the Apple Card has a huge potential to challenge the current banking sector. However, the Apple Card is still missing its breakthrough, as the accessibility of the product is still restricted (Apple, n.d.). This can be explained by the reason that the card is only available in the US right now. This means that many people cannot have access to the card right now, which indicates that its real potential is not reached yet.

Final Thoughts and Personal Opinion

Considering all points discussed, the Apple Card serves as an example how Fintech companies are able to disrupt the financial services market by bundling features of traditional banks with its own ecosystem. Despite the challenges, such as limited regional availability, the Apple Card serves as an example of how FinTech companies can disrupt the classical banking market in the long-term. 

Referring to my opinion on this development, I want to mention that I would get an Apple Card once it is available in Europe. I am convinced of the convenience being able to access a fully integrated payment system that is included in my Apple Ecosystem and outperforms the functions of my daily credit card. In general, I am persuaded that FinTech companies providing a digital platform combined with financial services will significantly reshape the market. Different alternatives, such as Revolut, Paypal or N26 are already demonstrating how digital payments can revolutinze the financial sector.
Lastly, I believe that Finn Techs are not only able to provide a digital platform, but I also share the opinion that they are quicker to innovate and adapt to customer needs, which is why they will dominate the financial sector in the future? 

Thank you for reading my blog. I am more than happy to answer any questions, and cannot wait to read your opinions and feedback about it.

Sources

Apple. (2025, August 28). Introducing Apple Card, a new kind of credit card created by Apple. Apple Newsroom. 
https://www.apple.com/newsroom/2019/03/introducing-apple-card-a-new-kind-of-credit-card-created-by-apple/

Apple. (n.d.). Apple. https://www.apple.com/

Armah, G. K., Awonekai, E. A., Owagu, U. F., & Wiredu, J. K. (2023). Customer preference for electronic payment systems for goods: a case study of some selected shopping malls, Bolgatanga. Asian Journal of Research in Computer Science16(4), 257–270. https://doi.org/10.9734/ajrcos/2023/v16i4387

Stulz, R. M. (2019). FinTech, BigTech, and the future of banks. Journal of Applied Corporate Finance31(4), 86–97. https://doi.org/10.1111/jacf.12378

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