Banks have profited from idle cash for years. AI agents could change that.
# Banks have profited from idle cash for years. AI agents could change that. [](https://finance.yahoo.com/author/david-hollerith) - [BKNG \ +4.15%](https://finance.yahoo.com/quote/BKNG/) As Meta's ( [META](https://finance.yahoo.com/quote/META/)) newly released Muse AI agent hit a viral moment earlier this week, financial and other consumer-facing stocks, including Charles Schwab ( [SCHW](https://finance.yahoo.com/quote/SCHW/)), JPMorgan Chase ( [JPM](https://finance.yahoo.com/quote/JPM/)), Booking Holdings ( [BKNG](https://finance.yahoo.com/quote/BKNG/)), Expedia Group ( [EXPE](https://finance.yahoo.com/quote/EXPE/)), and Arthur J. The KBW Nasdaq Bank Index ( [^BKX](https://finance.yahoo.com/quote/%5EBKX/)) tumbled about 2.6% on Tuesday as investors grappled with the new AI threat. Meta's new agent is just the latest signal that AI advancements could make bank customers' idle cash balances less idle, crimping a crucial margin banks earn from this otherwise cheap funding source. ![Meta CEO Mark Zuckerberg presents the Muse Charm during the Meta Connect event at the company's headquarters in Menlo Park, California, U.S., September 23, 2026. REUTERS/Carlos Barria](https://s.yimg.com/lo/mysterio/api/2b830546d3e6702e79b60fc3a14449f35876c886e76091916edfb0d56b8a853b/ligh