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“You will be able to connect with a bot, ask a question and get a response within seconds.” At Bank of America, an AI assistant named Erica (after the last five letters of the bank’s name) is expected to bow toward the end of 2017.

Erica will communicate with online banking customers via voice or text.

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Penny Who it’s for: Available to i OS and Android users who bank in the U. What it will do: Penny gets a stream of transactions from users’ banks so they can view them all in one place.

Penny alerts users about fees charged by their bank or increases to subscription costs, reminds them about payment due dates and more.

It's probably more likely to be awkward, rude, confusing, and elusive — just like this personality.

But it will be more than a chatbot, says Bank of America spokeswoman Anne Pace.

Erica will “proactively reach out to clients to help them manage their financial lives” rather than waiting for the customer to seek assistance, she says.

Mastercard Kai Who it’s for: Currently in a pilot for Mastercard employees; will be rolled out to all U. My Kai Who it’s for: Similar to Mastercard KAI but available to users on SMS, Facebook Messenger or Slack.

What it will do: Users can make payments, ask questions about transactions or balances and more.

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