Smarter computers, algorithms and dedicated AI systems are all disrupting the traditional banking models. The cash transactions eventually converted to card transactions as is now turned to mobile wallets. The consumers are demanding a more insightful experience from online banking where they can learn about their expense trends and they are expecting banks to help them optimize their expenses. The advances in artificial intelligent have made it possible to use a robot to help new user to navigate through account opening process and more advanced features.

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