[stock-market-ticker symbols="FB;BABA;AMZN;AXP;AAPL;DBD;EEFT;GTO.AS;ING.PA;MA;MGI;NPSNY;NCR;PYPL;005930.KS;SQ;HO.PA;V;WDI.DE;WU;WP" width="100%" palette="financial-light"]

The first SuperApp in the West isn’t on your phone. It’s in your chat.

24 octombrie 2025

blog post written by David Jiménez Maireles, expert in digital banking and FinTech.

For years we’ve watched Asia dominate the SuperApp game: Weixin/WeChat. Grab. GoTo Group. Ant Group. All-in-one ecosystems where people message, pay, shop, and book flights: inside a single app.

And we kept repeating the same line: “It can’t happen in the West.” Regulation, privacy, platform control. Too fragmented. Too impossible. Until now.

ChatGPT just changed the game (for the years to come).

Couple weeks ago, OpenAI announced that they have started to integrated apps inside ChatGPT, and it’s not a gimmick. You can „talk” directly to Figma, Canva, Spotify, Etsy, Booking.com, and Zillow without ever downloading anything.

“Turn this outline into a Canva presentation.”
“Find me a hotel in Paris for next week.”
“Play me something new on Spotify.”
“Show me homes under $500k in NYC” (good luck 🤣)

No App Store. No switching screens. And yes, with all payments embedded thanks to their integration with Stripe. They have developed the new OS for the new future.

This isn’t just another update. It’s the moment conversation becomes the new interface, and ChatGPT becomes the new platform layer.

SuperApps have finally landed in the West. But not as the format everyone was thinking. But as conversations.

Noutăți
Stay updated to the impact of emerging technologies in fintech & banking.
Banking 4.0 newsletter - subscribe
Cifra/Declaratia zilei

Dariusz Mazurkiewicz – CEO at BLIK Polish Payment Standard

Banking 4.0 – „how was the experience for you”

To be honest I think that Sinaia, your conference, is much better then Davos.”

Many more interesting quotes in the video below:

Sondaj

In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?