This paper was published 154 days ago, probably a year since the authors did the experiment. Sooo much has happened since then! This showed already that GPT4 is pretty darn good analyst.
All this real-world complexity can be tamed by stuffing the prompt with a ton of relevant context and an amazing prompt engine. We'll have bots that autonomously query the database hundreds of times building a 5 page "deep-dive" analytics report in minutes.
At least that's what we're trying at patterns.app.
We're taking a proactive approach to our "chat with your database" product. We begin by inspecting your db, building a knowledge base, then AI will recommend relevant insights to you depending on your query history... tinder for data if you will!
To follow up just create a new request and it'll kickoff a chat
If there's already very little margin left in interchange for fintechs, what's to stop further compression in pursuit of customer acquisition for higher margin products? End state... is interchange going to zero?
Maybe on the acquiring side, but on the issuing side in the US, definitely not. Most interchange flows to the issuing bank. Issuing banks fund lucrative reward programs with those fees. American consumers love credit card points.
I think we're more likely to see a new payment method disrupt credit cards than to have interchange fees go to zero.
Cool idea, but a lot cooler to be able to attract talent with QSBS stock