Learning with, not from AI

9

October

2025

4/5 (1)

Over the past year, I, like many others, started using AI tools for almost everything study-related. You see it everywhere now, especially in the library where half the screens are open to ChatGPT or some other AI assistant. It started as just experimentation for fun but then quickly became a part of how I learn and organize my day. Tools like ChatGPT have made my studdying sessions way more interactive and effective. Instead of just reading and memorizing, I can ask dumb questions, test my understanding, and get instant feedback. It feels like you have a study buddy who is always available, doesn’t get frustrated, and actually knows the material.
AI has also changed how I write. I often use it as a proofreader to check my tone, grammar, and flow before submitting essays or assignments. It helps me write more naturally and catch mistakes I’d normally miss after staring at the same page for hours. I don’t use it to fully outsource the work I need to do but use it to express my ideas more clearly and in my own style.
The most surprising use, however, happened outside of university. Over the summer, my scooter broke down. I had no clue what I was doing, so I uploaded a few photos, explained the issues to ChatGPT, and asked for help. Step by step, it guided me through what to check and which parts to replace. I didn’t need a mechanic or a manual. It actually worked, and then I realized how powerful these tools can be when used in the right way.
I’ve also seen how much it helps my brother, who has dyslexia. He uses AI to organize his emails and write responses more confidently. The speech function helps him process information faster and communicate more easily. For him, it’s convenient and gives him more independence. He can finally write out long actual coherent messages and manage tasks that used to be very time consuming for him without needing anyone’s help.
Of course, it isnt perfect. Sometimes it sounds confident while being completely wrong. Other times it gives answers that are too generic or lack proper context. For me the biggest issue for me is that it’s hard to know where the information actually comes from. If I could improve these tools, I’d add a clear “sources mode” that shows which data, process, or articles the answer is based on. It would also help if they highlighted uncertainty or bias so you would know when to double-check the information.
AI isn’t fully replacing how we learn but changing it. It makes studying more accessible and efficient. It encourages curiosity, and can sometimes even fix a broken scooter.

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Can Dutch Banks Survive the FinTech Wave?

16

September

2025

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The Dutch banking landscape is rapidly changing. Key traditional players in banking like ING, ABN AMRO, and Rabobank still dominate, but new challengers such as Bunq, Adyen, Revolut and N26 are gaining ground (Nederlanders Buiten Nederland, 2025). Bunq, an Amsterdam based neobank and second largest in Europe, now serves over 11 million users with more than €7 billion in deposits, and reporting a €53 million profit in 2023 (Bunq, 2024; Chmiel, 2025)  

According to the Dutch Central Bank, financing through fintech platforms nearly doubled to €2.3 billion by the end of 2023 (De Nederlansche Bank, 2024). Showing that consumers and businesses are increasingly comfortable moving away from traditional institutions. This mirrors Christensen’s disruptive innovation theory, where new entrants start by offering “good enough” services at the margins (like app-based banking for younger users or digital nomads). But once they gain traction quickly improve and climb upmarket (Christensen, 2015).

However, this disruption is not without friction. Bunq was recently fined €2.6 million for not meeting anti-money-laundering controls, showing that while fintechs are agile, they sometimes lack the compliance structures and trust that incumbents have (Reuters, 2025). As Birkinshaw & Lancefield (2023) argue, established firms can use strengths such as regulation, reputation, and expertise to resist or delay disruption. 

Meanwhile, the big three banks are adapting. ING is investing heavily in its digital infrastructure, driving automation and enhancing user experience (ING Bank, 2023; BankAutomationNews, 2024). ABN AMRO has also launched initiatives like the nCino partnership and a new CRM upgrade with PwC, aiming to consolidate legacy systems, simplify customer journeys, and improve their overall platform (nCino, 2024; PwC, 2023). This aligns with Keyser and Vandenbempts (2025) view that incumbent firms can survive disruption by “doubling down” on their strengths. In this case that would refer to scale, compliance expertise, and institutional trust.

The real question is whether Dutch consumers will ultimately value trust and stability over flexibility and innovation. The likely outcome will be hybrid type of banking. Partnerships, acquisitions, and ecosystems between these firms will merge the strengths of banks with the agility of fintechs. The question remains as to whether fintechs like Bunq will remain these niche players, or if we will see an entire shift in Dutch banking.

References:

Birkinshaw, J., & Lancefield, D. (2023). How professional services firms dodged disruption. MIT Sloan Management Review, 64(4), 34-39

Christensen, C. M. (2015). The innovator’s dilemma: when new technologies cause great firms to fail. Harvard Business Review Press

De Keyser, B., & Vandenbempt, K. (2025). Persisting under pressure: How organizations coordinate their response to disruptive innovation. Research Policy, 54(8), 105275.

Bunq. (n.d.). Bunq sets its eyes on UK as it reports first full year of profitability. bunq newsroom. https://press.bunq.com/234163-bunq-sets-its-eyes-on-uk-as-it-reports-first-full-year-of-profitability/ 

Chmiel, D. (2025, September 10). After 10 years, BUNQ reaches 20 million users but remains far behind Revolut. Financial and Business News | Finance Magnates. https://www.financemagnates.com/fintech/after-10-years-bunq-reaches-20-million-users-but-remains-far-behind-revolut/ 

Financing through FINTECHS nearly doubled. De Nederlandsche Bank. (2025, June 17). https://www.dnb.nl/en/general-news/statistical-news/2024/financing-through-fintechs-nearly-doubled/ 

Koenen, T. (n.d.). Improve customer experience by BXT approach at ABN AMRO. https://www.pwc.nl/en/topics/transformation/customer-transformation/client-cases/improve-customer-experience-by-bxt-approach-at-abn.html

Meijer, B. (2025, August 25). Dutch Online Bank Bunq fined for failures in money laundering controls | Reuters. Dutch online bank Bunq fined for failures in money laundering controls. https://www.reuters.com/sustainability/dutch-online-bank-bunq-fined-failures-money-laundering-controls-2025-08-25/ 

nCino. (2024, August 20). ABN Amro & NCINO Partnership to Driving Transformation. ABN AMRO and nCino Partnership Driving Digital Transformation across Corporate Lending. https://www.ncino.com/news/abn-amro-ncino-partnership-driving-digital-transformation-corporate-lending 

Snbn. (2025, May 21). Fintech bank account as an alternative to a Dutch bank account. SNBN. https://www.nederlandersbuitennederland.nl/en/post/fintech-bank-account-as-an-alternative-to-a-dutch-bank-account Trivedi, V., & McDonald, W. (2024, February 1). ING Bank invests in digital infrastructure in 2023. Bank Automation News. https://bankautomationnews.com/allposts/retail/ing-bank-invests-in-digital-infrastructure-in-2023/?utm

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