Human touch. Chatbots, providing an interface similar to human-to-human interaction, are more intuitive and so less difficult to use than a standard banking mobile application. They doesn't require any additional software installation and are more adaptive as able to be personalized during the exploitation by the means of machine learning. Chatbots are instant and so much faster that phone calls, shown to be considered as tedious in some studies. Then they satisfy both speed and personalization requirement while interacting with a bank.

Messenger Bots are created using the new Messenger API that allows a bot to send and receive messages. The Messenger Bots are essentially chat bots that you can talk to from the Messenger app. The conversations will of course be different than those you have with your Facebook friends. These bots are meant to help you get information for example you can ask the CNN bot to tell you give you the current headline news and it will fetch them for you.