Wallstreetcn analysis indicates that with the rise of AI personal agents, banks face the risk of losing low-cost demand deposits, potentially triggering a "deposit defense war." Currently, China's Doubao Phone Assistant has announced the gradual opening of screen automation operations for third-party applications, but several bank apps have rejected its operations. Meanwhile, Citi, Bank of America, and JPMorgan Chase have also tightened external agent access to customer accounts.