It won't replace them all, but that frustration of adding a device. Perfect for an AI that can wait for a restart of the device several times which seems to be the fix most often.

Finance apps may come down to a trust thing, but if access through an API is similar to authorization now, I can see it happening. Already some banks give access to third party apps.

Why have an app of you never use it. I would still expect the kind of apps to be replaced would have a web based log in version. For now. Many will keep the apps out of habit but new users probably wouldn't bother to download them unless they needed to, and guess what, the AI would probably seek them out and download them for you.