I don't understand why this would be a bot and not an application with a standard UI.
Instead of 3 taps to find my balance, I have to ask a question? And then to dive deeper, I have to ask more specific questions instead of just tapping a category or merchant and viewing transaction histories?
What if I misspell something? What if my grammar is all over the place?
Grammar and spelling mistakes are learnable problems to overcome. There are quite a few machine learning services you can use to aid bots, and there are also opportunities for a human to step in and instruct the AI when it can't properly determine intent (thereby teaching the bot for next time).
I don't know about your banking app, but there is no 3-step solution to finding out how much I've spent at Starbucks in the last month. I've tried something similar, and it's actually quite a few steps to try do an advanced search. This is a very limited example though. There are just a ton of financial questions out there that people have who probably don't ask because of the difficulty. Having banks provide this kind of service would be really exciting.
Certainly there is a place for a standard UI, but it will always be limited, otherwise the interface will be entirely too complex.
The biggest hurdle (for me at lease) doing banking this way is security. I would want my iPhone to ask for a fingerprint every time, just like using my app.
I was specifically thinking about Mint, which has a really great way to view transactions on a per-merchant or even per category level.
Security didn't even cross my mind, but obviously that would be a significant issue for some users as well.
More bots and fintech https://www.pennyapp.io/
Why the demo shows a conversation of an interaction between two iMessage clients (blue dialogues + read alerts)? .... I would expect to see an interaction over SMS (green dialogues). Is it possible to do this? Or it's just a poorly done "Wizard of Oz" demo using iMessage?
There is no iMessage API.
I know a few people have been working on constructing a workaround to enable iMessage on Windows, but unless they've found a new method of communicating via iMessage, this "demo" was definitely faked.
Surprised this doesn't have more upvotes.