I would prefer a simple app interface with big buttons (on mobile) to do the exact thing i want, than having to use some chat menu system. So when im in an airport somewhere i can click while walking to order a taxi or check my email or similar. Just exchange the AI for a simple column of changeable links / buttons to my most used functions, allowing to have sublists. Then allow me to use a builtin password safe to get the information to me in a simple modal or similar. I dont want 100 apps on my phone for each service, but i also dont want a closed interface to how i access the information. Web pages are ok, but most of the time i can not modify the interface to remove items i dont care about. This causes time consuming tasks such as zooming to be able to click on links or using interfaces that can change to whatever the developer thinks is better for you.

Could we create standards for things such as bank APIs, travel APIs, store APIs etc? I dont like forcing things on people, but if we could get some type of collaboration and create a UI where the user gets to create buttons / menu options to access those services directly? Let the user add only the needed options to a button on the home screen called "bank" for example.

I dont need OAuth or similar (Dont want that stuff close to my bank account) but some standard way to authenticate? Then just request my PIN whenever it needs to access a stored password. Or just request the password with saved username when accessing the request for the first time and then save it in a session etc.

I guess what i want for my phone is a easily programmable interface where I can setup whatever functions to access my information directly and not needing to access any other app. Apps are great, but it does not solve the issues that exists on desktops. How do we organize all these icons? Using menus or using desktops with icons? using lists of some sort? Very few systems have come close to solving this issue and most are probably more experimental then production. I believe the cloud should be APIs instead of HTML and Apps. Mobile interfaces should just be scriptable interfaces with some per-defined tasks and an easy way to download new tasks that others have done. Now, this does sound like apps, but its more specific: Its more like downloading a script from your bank that accesses your account balance. Then another script for your card balance. Then another script for a transfer etc. Then you just say where in the interface you want these buttons / links and done.

Anyway, time to end my long rant about mobile interfaces.