What is an AI Moat Score?

An AI Moat Score measures how resistant a career is to AI displacement. It evaluates jobs across 21 factors and 5 pillars to determine their vulnerability to automation.

How is the score calculated?

The score is calculated by analyzing 21 factors across 5 pillars: Human Cognitive Moat, Social & Institutional Moat, Physical Reality Moat, Economic & Demand Moat, and AI Exposure Risk. Each factor is scored 1-5 and weighted based on importance.

What do the grade levels mean?

FORTRESS (80-100): Highly resistant to AI. RESILIENT (60-79): Moderately resistant. EXPOSED (40-59): Somewhat vulnerable. VULNERABLE (20-39): Highly vulnerable. ENDANGERED (0-19): Extremely vulnerable to AI displacement.

How accurate are the scores?

Scores are generated using AI analysis of career characteristics and are regularly validated against real-world automation trends. However, they should be used as guidance rather than absolute predictions.

Can I request a new career to be scored?

Yes! Simply enter any job title on the homepage to get it scored. The system will analyze it and provide a detailed breakdown.

Bank Teller

Loaded from database

12.8

ENDANGERED(0–19)

Finance & Accounting

Low Income

Summary

Bank tellers primarily handle routine financial transactions such as deposits, withdrawals, and cashing checks. This role is characterized by a high degree of predictability and adherence to established procedures, making many of their core tasks amenable to automation. While customer interaction is a component, the nature of the service is often transactional rather than deeply relational.

Future Outlook

The role of a bank teller is likely to see a significant decline in demand over the next decade. The increasing adoption of advanced AI-powered ATMs, mobile banking applications, and online platforms allows customers to perform most of their transactions without human intervention. While some human interaction will persist for more complex queries or customer service issues, the core functions of a teller are highly automatable, suggesting a substantial shift towards fewer in-person roles.

Bank Teller

Pillar Scores

Human Cognitive Moat

14.0 / 35

Social & Institutional Moat

13.5 / 28

Physical Reality Moat

10.8 / 21

Economic & Demand Moat

4.2 / 21

AI Exposure Risk

-23.7 / 35

Score Comparison

Sector Comparison: Finance & Accounting

No data available

0255075100

This Career

12.8

Global Comparison

No data available

0255075100

This Career

12.8

What This Means

This comparison shows how this career's AI Moat Score compares to others in its sector and across all careers. A higher score indicates greater resistance to AI displacement. Scores range from 0-100, with higher scores being better.

Human Cognitive Moat

Moat Strength

14.0

/ 35

Moat Strength40%

Moderate moat — some protection exists but AI advances could erode this over time.

Social & Institutional Moat

Moat Strength

13.5

/ 28

Moat Strength48%

Moderate moat — some protection exists but AI advances could erode this over time.

Physical Reality Moat

Moat Strength

10.8

/ 21

Moat Strength51%

Moderate moat — some protection exists but AI advances could erode this over time.

Economic & Demand Moat

Moat Strength

4.2

/ 21

Moat Strength20%

Weak moat — limited protection from this pillar; other moats must compensate.

AI Exposure Risk

Penalty

-23.7

/ 35

AI Exposure Level68%

High AI exposure — significant portions of this role are already being targeted by AI.

Conditional Modifiers Applied

High AI Penetration & Task Routineness

-6

AI Penetration (-4) ≤-4 AND Task Routineness (-5) ≤-4

Penalty applied to total score

These modifiers are applied based on specific factor combinations that significantly impact AI resistance.

Key Strengths

Direct customer interaction for complex inquiries
Handling of sensitive and irregular transactions
Immediate problem-solving for unique customer issues

Key Vulnerabilities

High routineness of core transactional duties
Advancement of self-service banking technologies
Potential for AI-driven customer service in less complex scenarios

Adjacent Careers

Click any adjacent career to analyze it. If it already exists, you'll be taken to its detail page.

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How This Score Was Calculated

Pillar Score Formula

Pillar Score = (∑(Factor × Weight)) × (Normalization Factor)

Where factors are scored 1-5 (1=weakest, 5=strongest) for positive pillars, and -1 to -5 (-1=low exposure, -5=high exposure) for AI Exposure Risk.

Pillar Weights & Maximums

Pillar	Factors & Weights	Raw Max	Normalized Max
Human Cognitive	Judgment(3.0), Creative(2.5), Relational(2.5), HumanPref(2.5), Contextual(2.5)	65	35
Social & Institutional	Regulatory(3.0), Guild(2.5), Institutional(2.5), Proprietary(2.0), Trust(2.0)	60	28
Physical Reality	Dexterity(3.0), GeoTethering(3.0), Environment(2.5), Exertion(2.0), Sensory(2.0)	62.5	21
Economic & Demand	Demand(3.0), Training(2.5), EntryCost(2.5), Polymathy(2.5), Knowledge(2.5)	65	21
AI Exposure Risk	AIPenetration(4.0), TaskRoutine(4.0), Data(3.5), Output(3.5), Remote(3.0), Substitution(3.0)	105	-35

Actual Calculations for "Bank Teller"

Human Cognitive Moat

Raw: 26.0 / 65 × (14.0/35)

(2×3.0 + 1×2.5 + 3×2.5 + 2×2.5 + 2×2.5) × (35/65) = 14.0

Social Institutional Moat

Raw: 29.0 / 60 × (13.5/28)

(3×3.0 + 2×2.5 + 2×2.5 + 2×2.0 + 3×2.0) × (28/60) = 13.5

Physical Reality Moat

Raw: 32.0 / 62.5 × (10.8/21)

(2×3.0 + 5×3.0 + 2×2.5 + 1×2.0 + 2×2.0) × (21/62.5) = 10.8

Economic Demand Moat

Raw: 13.0 / 65 × (4.2/21)

(1×3.0 + 1×2.5 + 1×2.5 + 1×2.5 + 1×2.5) × (21/65) = 4.2

Ai Exposure Risk

Raw: 71.0 / 105 × (-23.7/35)

(4×4.0 + 5×4.0 + 2×3.5 + 2×3.5 + 3×3.0 + 4×3.0) × (35/105) = -23.7

Total Score Calculation

Base Score = 18.8

Conditional Modifiers Applied:

AI Penetration (-4) ≤-4 AND Task Routineness (-5) ≤-4 → -6 points

Final Score = 18.8 + modifiers = 12.8

Note: Pillar scores are normalized to ensure the total score fits within the 0-100 range. The maximum possible score with all positive factors at 5 and all negative factors at -1 (minimal AI exposure) is approximately 100, placing it in the FORTRESS grade band.