An AI can enhance certain apps, yes. But outright replace them? My home automation system has a customized web UI that gives me all the information at a glance. That’s hard to improve upon. Not to mention things like configuring new devices, which can get fairly involved.

Finance apps are sometime I don’t expect an AI assistant as described to even be able to interact with. Some banks don’t even let their own apps in if the phone appears to be rooted. They certainly won’t let a third-party assistant in.

I don’t think a phone as described in the article works for “advanced” use cases. Basic stuff, sure. But there’s a lot of stuff it’s not going to be able to do.