Nowadays a high majority of high-tech banking organizations are looking for integration of automated AI-based solutions such as chatbots in their customer service in order to provide faster and cheaper assistance to their clients becoming increasingly technodexterous. In particularly, chatbots can efficiently conduct a dialogue, usually substituting other communication tools such as email, phone, or SMS. In banking area their major application is related to quick customer service answering common requests, and transactional support.
Since 2016 when Facebook allows businesses to deliver automated customer support, e-commerce guidance, content and interactive experiences through chatbots, a large variety of chatbots for Facebook Messenger platform were developed.[37] In 2016, Russia-based Tochka Bank launched the world's first Facebook bot for a range of financial services, in particularly including a possibility of making payments. [38] In July 2016, Barclays Africa also launched a Facebook chatbot, making it the first bank to do so in Africa. [39]
Interface designers have come to appreciate that humans' readiness to interpret computer output as genuinely conversational—even when it is actually based on rather simple pattern-matching—can be exploited for useful purposes. Most people prefer to engage with programs that are human-like, and this gives chatbot-style techniques a potentially useful role in interactive systems that need to elicit information from users, as long as that information is relatively straightforward and falls into predictable categories. Thus, for example, online help systems can usefully employ chatbot techniques to identify the area of help that users require, potentially providing a "friendlier" interface than a more formal search or menu system. This sort of usage holds the prospect of moving chatbot technology from Weizenbaum's "shelf ... reserved for curios" to that marked "genuinely useful computational methods".
Last, but not least coming in with the bot platform for business is FlowXO, which creates bots for Messenger, Slack, SMS, Telegraph and the web. This platform allows for creating various flexibility in bots by giving you the option to create a fully automated bot, human, or a hybrid of both. ChatBot expert Murray Newlands commented that "Where 10 years ago every company needed a website and five  years ago every company needed an app, now every company needs to embrace messaging with AI and chatbots."
Along with the continued development of our avatars, we are also investigating machine learning and deep learning techniques, and working on the creation of a short term memory for our bots. This will allow humans interacting with our AI to develop genuine human-like relationships with their bot; any personal information that is exchanged will be remembered by the bot and recalled in the correct context at the appropriate time. The bots will get to know their human companion, and utilise this knowledge to form warmer and more personal interactions.

However, the revelations didn’t stop there. The researchers also learned that the bots had become remarkably sophisticated negotiators in a short period of time, with one bot even attempting to mislead a researcher by demonstrating interest in a particular item so it could gain crucial negotiating leverage at a later stage by willingly “sacrificing” the item in which it had feigned interest, indicating a remarkable level of premeditation and strategic “thinking.”
Insidiously and persistently, Facebook is chipping away at other messaging platforms and moving their users to Facebook Messenger. If they keep it up, by the end of 2017 there will be as many people on Messenger (currently 900 million) as Facebook (1.674 billion). But, counterintuitive as that strategy seems (why bifurcate resources on two fronts) that is all part of Mark Zuckerberg’s avec nous le deluge.
They have an intuitive visual interface for those without a coding background, but developers will like the editable front-end and customization options. While you can build a bot for free, a lot of the more complex (and interesting) tools are only available with Chatfuel Pro accounts. Either way, it might be helpful to know that Chatfuel integrates with Hootsuite Inbox using the Facebook Messenger handover protocol.
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