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Team 36: Pieter Quist, Stijn Ouwerkerk, Tijn van Breeden & Stijn van Leeuwen

The Dyme platform is passionate about simplifying personal finance. Over the years, it has built tools that allow users to track their spending, manage subscriptions, and gain financial insights. Now, as the fintech landscape evolves, so does Dyme. That’s why we’re proposing to integrate Generative AI (GenAI) into the Dyme platform to offer personalized, real-time financial advice, through the new DymeAdvisor.

Why GenAI?
Managing finances can be overwhelming, particularly when it comes to saving, investing, and paying off debt. Traditional financial advisors are often expensive, making expert advice inaccessible to many. Our AI-powered DymeAdvisor aims to solve this by providing personalized recommendations based on each user’s financial data, making it easier for everyone to make informed financial decisions.

What Will DymeAdvisor Do?
Our GenAI tool will offer personalized advice on saving, debt repayment, and investments. For example, it can recommend, “Based on your income and expenses, pay off €250 of your student loan to stay on track to be debt-free in 10 years.” This kind of insight allows users to make smarter decisions in real time, tailored to their unique circumstances.

Enhancing Dyme’s Value
With GenAI, Dyme will go beyond just managing subscriptions and showing spending overviews. The DymeAdvisor will offer 24/7 financial advice, giving users instant, personalized insights. This not only improves the user experience but also opens new engagement opportunities for those who may not typically seek financial advice. By enhancing customer interactions with AI-driven conversations, we aim to deepen relationships and improve customer satisfaction.

How We’re Doing It
DymeAdvisor will be integrated as a chatbot within the Dyme app, allowing users to interact conversationally and receive actionable advice. We’re focusing on simplicity, usability, and trust to ensure that the AI is easy to use and accessible to all, whether users are managing debt or saving for their future.

What’s Next?
This is just the beginning. After launching a beta phase to gather feedback, we’ll roll out GenAI more broadly, potentially offering new premium subscription tiers for advanced financial advice. With this innovation, we’re taking a significant step toward making financial health more accessible and affordable for everyone.
Dyme believes in empowering users to take control of their finances. Our GenAI proposal is a key part of that mission, helping Dyme offer real-time, personalized advice to a broader audience.

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The world of music has always been a blend of art and technology, but the thought of an AI replacing a DJ still feels like a futuristic concept. Yet, with AI-powered systems capable of creating playlists, mixing tracks, and even responding to the crowd in real-time, we have to ask: Could AI truly replace the human DJ?

I’ve been to countless events where the DJ set the perfect mood, reading the room and adapting the music to keep everyone engaged. DJs aren’t just there to play music—they’re curators of an experience. They feel the energy, interact with the audience, and use their intuition to guide the night. That’s something I always thought couldn’t be replicated by AI.

But then I came across an AI DJ system at a small party. At first, it seemed just like another playlist, but I quickly noticed that the transitions were smooth, and the AI was mixing in beats I wouldn’t expect, even adapting the tempo as the crowd’s energy fluctuated. It was impressive. The AI wasn’t just randomly picking songs—it was learning from the room and predicting what might keep people on their feet. In terms of technical performance, the AI was flawless.

However, something felt missing. There was no excitement, no personal flair that I’ve come to appreciate from a human DJ. It lacked the spontaneous moments, the shout-outs, or the ability to take a creative risk that only a person can. AI can perfect the science of DJing, but what about the art?

So, can AI replace DJs? Maybe, but at the cost of losing the personal connection that makes live music magical. At the end of the day, AI can hit all the right notes, but it can’t replace the soul of a great DJ set.

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The idea of AI flying commercial jets might sound like science fiction, but it’s closer to reality than many realize. Autonomous technology is already piloting drones, managing complex air traffic systems, and even assisting in flying planes today. But as AI evolves, a critical question arises: Would you trust an AI to fully fly a commercial jet without human pilots on board?

On the surface, AI has impressive advantages. Machines don’t get tired, stressed, or distracted, and they can process immense amounts of data in real-time—far more than any human could manage. An AI-powered jet could potentially make faster, more accurate decisions in emergencies and adjust to real-time weather patterns or air traffic changes instantly. In theory, AI could provide safer, more efficient flights by eliminating human error, which is a leading cause of aviation accidents.

But despite these potential benefits, many passengers would likely hesitate to board an entirely AI-piloted flight. Trust is a major factor in aviation safety, and people have a deep-seated confidence in human pilots. There’s comfort in knowing that a skilled individual, with years of training and experience, is at the controls in case something goes wrong. Can AI replicate that level of decision-making, intuition, and emotional intelligence in critical moments?

Additionally, AI systems, like all technology, are not infallible. They can malfunction, be vulnerable to cyberattacks, or misinterpret unusual situations. The complexity of flying in unpredictable environments, along with the unknown risks of autonomous systems, leaves room for doubt.

Another key concern is the accountability factor. When humans are at the controls, there’s a clear line of responsibility in the event of an accident. If an AI-driven plane were to experience a failure, who would be held accountable—the airline, the developers, or the AI itself? This unresolved legal and ethical question is another obstacle in fully embracing AI as the sole pilot.

So, would you trust AI to fly a commercial jet? For many, it’s not just a question of safety, but of trust. Until AI can prove itself beyond a shadow of a doubt, human pilots will likely remain an essential part of air travel.