There is still no clearcut winning approach for monetizing the nascent AI opportunity on smartphones. It is very unlikely that there will be a one-size-fits-all strategy, to the dismay of the MNOs. For consumers, this diversity is currently a good thing, in terms of choice, but for the industry as a whole, billions will be spent on various dead ends over the next few years. Hiya recently launched its AI Phone service, as a prime example of the direct-to-consumer or over-the-top opportunity. Here, the service uses Hiya’s traffic monitoring system to block suspicious and risky calls. Its secondary purpose is to take notes during calls, and provide these summaries to the user. This is priced at $10 per month. Hiya…