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美国银行未来将在移动客户端推出AI服务

如果你曾希望电脑能够为你提供理财建议,那你肯定会喜欢美国银行正在开发的这个新玩意儿。该银行称其正在开发一名叫Erica的“虚拟助手”,用以帮助用户更好地理财。这项服务将在该银行手机客户端中推出,旨在成为用户“可信任的金融咨询师”。这意味着很快就会有AI来问你为什么花那么多钱买帽子而不是去付房租。

用户可使用语音和文字与Erica互动,它还能分析检测你的消费习惯。当你消费过度时,Erica就会提前几天发出警告以免你透支;它还会为你提供改善信用评级或省钱的建议。此外,Erica将全天24小时在线为你处理交易转账,你的账户有问题时也可以首先找它。

这些听起来都很不错,可惜Erica要到2017年年底才能和我们见面。美国银行电子化部门主管Michelle Moore说,该智能机器人正在研发过程中,预计明年年底可以推出。在那之前,你还是只能先站在镜子前,问问里面那人这些难题,比如买帽子应该花多少钱。

If you've ever wanted to get financial advice from a computer, then you're going to love what?Bank of America?is working on. The company has announced that it's developing Erica, a "virtual assistant" designed to help customers better?manage their finances. The service will sit inside the firm's?mobile banking apps?and is designed to become your "trusted financial advocate." This means that it won't be long before an AI starts asking why you spend so much money on hats instead of paying rent.

Users will be able to interact with Erica over voice and text chat, and the 'bot will be able to analyze your spending and spot patterns. You'll get warnings when you have a few days of excessive spending well before you go into overdraft, advice on how to improve your credit rating and budgeting tips. More importantly, Erica will be available 24/7 to help you process transactions and, presumably, be the first point of call if have a problem with your account.

It all sounds pretty exciting, so it's sad to learn that we won't be able to spend any time with Erica in our phones until late 2017. Bank of America's digital chief Michelle Moore said that the firm is still developing the tool and expects to launch it towards the back end of next year. Until then, you'll just have to stare at yourself in the mirror and ask those tough questions about the size of your hat budget.


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