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Google perfected this better than anyone. They built a behavioral reflex, not just a search engine. "Google" became a verb in dozens of languages. For over 2 decades, they owned the space between question and answer. But something just broke that pattern:

People aren't searching anymore. They're conversing. Not typing keywords into boxes. Asking full questions to AI chatbots. Getting direct answers instead of clicking through links. Experts thought this would take generations happened in months:

Apple's ecosystem lock-in becomes vulnerable when AI works everywhere. Meta's social feeds get threatened when AI curates content better. Amazon's shopping habits face risk when AI finds deals automatically. The foundation of Big Tech dominance is cracking.

We're witnessing the first real behavioral disruption of the internet age. Not because AI is better than search. But because it broke the habit loop that tech giants thought was unbreakable. The companies that adapt fastest will define the next era.

Traditional banks face the same disruption. People are discovering they can earn 5% yields with stablecoins instead of 0.01% in savings accounts. The same behavioral shift. The same speed. Finance is having its "Google moment" right now.

I've been building at the intersection of finance and technology since my days at Google. The patterns are unmistakable. At Brava, we're building financial tools for this new paradigm. Not competing with banks on their terms, but creating something entirely different.