2023年5月4日

聊天機器人可以為個人提供一個方便的和可以理解的方式管理他們的個人財務狀況,預防欺詐等等。37總觀點加入我們在社交網絡上聊天機器人使用人工智能(AI)的計算機程序來模擬與用戶的對話,提供快速而有效的援助。在銀行業,聊天機器人有可能徹底改變客戶與金融機構的方式。這裏有七個聊天機器人在銀行業的潛在用例:客服聊天機器人越來越多地應用於銀行業提供有效和具有成本效益的客戶服務。客戶可以與聊天機器人回答他們的銀行查詢並解決相關問題賬戶,交易或產品。聊天機器人也可以被編程為客戶提供個性化的反應,提高客戶體驗。聊天機器人可以提供24/7的客戶支持,讓客戶隨時得到援助的白天還是晚上而不需要等待客戶服務代表。這可以顯著減少等待時間,提高客戶滿意度。此外,聊天機器人可以同時處理多個查詢,使他們能夠有效地處理大量的客戶請求。這個銀行可以節省時間和金錢,可能需要更少的客戶服務代表。 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.