2023年5月4日

聊天机器人可以为个人提供一个方便的和可以理解的方式管理他们的个人财务状况,预防欺诈等等。37总观点加入我们在社交网络上聊天机器人使用人工智能(AI)的计算机程序来模拟与用户的对话,提供快速而有效的援助。在银行业,聊天机器人有可能彻底改变客户与金融机构的方式。这里有七个聊天机器人在银行业的潜在用例:客服聊天机器人越来越多地应用于银行业提供有效和具有成本效益的客户服务。客户可以与聊天机器人回答他们的银行查询并解决相关问题账户,交易或产品。聊天机器人也可以被编程为客户提供个性化的反应,提高客户体验。聊天机器人可以提供24/7的客户支持,让客户随时得到援助的白天还是晚上而不需要等待客户服务代表。这可以显著减少等待时间,提高客户满意度。此外,聊天机器人可以同时处理多个查询,使他们能够有效地处理大量的客户请求。这个银行可以节省时间和金钱,可能需要更少的客户服务代表。 For instance, the chatbot of Bank of America’s virtual assistant, Erica, can help customers with a range of tasks, such as checking their account balances, making transfers and even disputing charges. DID YOU KNOW? Bank of America’s voice-activated virtual assistant Erica now has > million users! Financial institutions of all sizes need to make #voicebanking part of their digital strategies. Around 41% of U.S. consumers now own a voice-activated speaker. #fintech #finserv Personal finance Chatbots can also be used for personal finance purposes, such as budgeting, financial advice and investment guidance. They can provide personalized recommendations based on a user’s spending habits and financial goals and help users keep track of their expenses and savings. For example, a chatbot could help a user set a budget and remind them when they are approaching their spending limit in a particular category. Furthermore, chatbots can assist users in finding the best deals on financial products, such as credit cards, loans and insurance policies. They can compare different options and provide recommendations based on the user’s needs and preferences. For instance, Cleo, a chatbot from Cleo AI, can help users track their spending habits and provide suggestions on how to save money. Loan applications Chatbots can be used in loan applications to streamline the process and provide 24/7 support to customers. The chatbot can guide users through the application process, answer questions and provide real-time updates on the status of their application. By automating parts of the loan application process, chatbots can help reduce errors and processing times, leading to a faster turnaround time for loan approvals. Chatbots can also assist in collecting necessary documentation and verifying user information. Additionally, they can use natural language processing (NLP) to assess the creditworthiness of a user and recommend loan options based on their financial situation. For example, HSBC’s Jade chatbot can help customers apply for personal loans and mortgages by providing assistance and collecting necessary information. Account management Chatbots can help customers manage their accounts by providing account balance information, setting up automatic payments and updating personal information. For example, Wells Fargo’s chatbot, named Greenhouse, can help customers manage their accounts by providing balance information, setting up payments and even tracking spending patterns. Fraud prevention Chatbots can also be utilized in fraud prevention in banking. Fraudulent activities can lead to significant financial losses for both customers and financial institutions. Chatbots can help prevent fraud by monitoring and analyzing customer behavior and transactions in real-time to detect suspicious activity. Chatbots can also be programmed to send alerts to customers in case of unusual activity or suspicious transactions. Additionally, chatbots can assist customers in reporting fraudulent activity and provide guidance on the next steps to take. With the help of chatbots, banks can improve their fraud prevention strategies and mitigate financial risks. For instance, the chatbot from Mastercard, named Kai, can help identify suspicious activities and alert customers of potential fraud attempts on their accounts.