0451 GMT - Westpac's belief in the support that artificial intelligence offers the Australian bank represents one view of the future: Jefferies analysts have another. The analysts acknowledge the argument that incumbent banks should be able to harness new tech to streamline processes, redesign value chains, improve controls, and speed up decision making. "If well executed and appropriately funded, owners and customers will share in the returns of this opportunity," they write in a note. However, they also see a scenario in which bots disrupt banks' engagement with customers, scanning for products and executing transactions. "A bank customer may never again open their bank app, contact a call centre, or visit a branch," the Jarden analysts warn. Jarden keeps a sell rating on the stock and target price of 31.00 Australian dollars. Shares are up 1.5% at A$34.955.