Douugh (ASX:DOU): The best thing since sliced bread?, page-11

Regarding the uniqueness of Wealth Jars, Autopilot and Credit Jar, you may be right that these tasks can be achieved to either full or varying extents from traditional banks. But it remains to be seen longer term is how using Douugh may improve upon these features and make them more appealing and easier to manage than a traditional bank does. Also if Douugh improve their AI capabilities long term they will have something that is further and further away from tradtional banking. And potentially advantageous to their users - even if they're not there yet.

Edit: I do get the criticism about uniqueness, I just don't know if that necessarily is a deal breaker when compared to lots of successful companies who manage to do something that is already done, but do it better. And the reason I believe Douugh can do it better is because of their strong team (if you look through their LinkedIn you will see this).