ChatGPT: Revolutionizing Mobile Banking with Artificial Intelligence
Using ChatGPT-4 to Improve Efficiency
Mobile banking has revolutionized the way customers interact with their banks. With the advent of smartphones, customers can now perform various banking tasks right from their mobile devices. However, as mobile banking becomes more popular, customer support has become a crucial aspect of ensuring a positive user experience.
Customer support in the mobile banking sector is essential for addressing customers' concerns, providing assistance, and answering queries promptly. Traditional customer support methods involve human agents responding to customer inquiries, which can be time-consuming and labor-intensive.
Fortunately, advancements in artificial intelligence (AI) have paved the way for automation in customer support. One such AI technology is ChatGPT-4, a state-of-the-art language model developed by OpenAI.
Reducing Customer Support Workload
ChatGPT-4 can be integrated into mobile banking systems to assist with customer support by automating responses to frequently asked questions (FAQs). By training the model on a vast dataset of banking-related queries and responses, it becomes capable of generating accurate and contextually appropriate answers to customer inquiries.
The automation of responses through ChatGPT-4 significantly reduces the workload on human customer support agents. Instead of spending time answering repetitive questions, agents can focus on more complex and personalized queries that require human intervention. This automation not only saves time but also allows customer support teams to handle a larger volume of inquiries efficiently.
Improving Waiting Time for Clients
Waiting time is a crucial factor in customer satisfaction. Lengthy wait times can lead to frustration and dissatisfaction among customers, potentially driving them away from the mobile banking service. By employing ChatGPT-4 for customer support, banks can significantly improve waiting times for clients.
ChatGPT-4's quick response time ensures that customers receive immediate assistance, eliminating or reducing the need to wait for human agents. The automated responses provide accurate information and resolve basic queries promptly, empowering customers to find answers to their questions efficiently.
Enhancing the User Experience
Integrating ChatGPT-4 into mobile banking customer support operations goes beyond reducing workload and improving waiting time. It also enhances the overall user experience. Customers appreciate timely responses and accurate information, creating a positive perception of the mobile banking service.
The automation of customer support through ChatGPT-4 enables a seamless and uninterrupted interaction between users and their banks. Customers can get their questions answered, problems resolved, and account-related tasks completed without any delay or inconvenience.
Conclusion
Mobile banking being a technology-driven service can leverage AI advancements like ChatGPT-4 to automate customer support and enhance the user experience. By reducing the workload on customer support agents, improving waiting times, and ensuring prompt and accurate responses, automation empowers both banks and clients.
Incorporating ChatGPT-4 into mobile banking systems not only increases efficiency but also enables banks to provide better customer service. As technology continues to evolve, we can expect further advancements in automation, leading to even more efficient and seamless support experiences in the realm of mobile banking.
Comments:
Thank you all for taking the time to read my article on ChatGPT and its impact on mobile banking! I'm excited to hear your thoughts and answer any questions you may have.
Artificial intelligence has truly revolutionized various industries, and it's impressive to see its application in mobile banking. ChatGPT has the potential to greatly enhance customer experience and make banking more accessible. Great article, Sameer!
Thank you, Amy! I agree, AI has transformed many sectors, and mobile banking is no exception. Customer satisfaction and ease of use are key goals, and ChatGPT can help achieve them.
Thank you for your responses, Sameer. It was insightful to learn about the various aspects of AI-powered mobile banking and how ChatGPT can contribute.
You're welcome, Amy! I'm glad you found the article insightful. Your support is greatly appreciated.
You're welcome, Amy! Your support and engagement in this discussion are highly valued. If you have any further questions, feel free to ask.
You're welcome, Amy! Your engagement has been truly appreciated, and I'm grateful for your support throughout this discussion. If you have more questions, don't hesitate to ask.
You're welcome, Amy! Your continued engagement and support have been invaluable in this discussion. If you have any further questions or thoughts, please feel free to share.
You're welcome, Amy! Your continued support and participation throughout this discussion have been invaluable. If you have any further inquiries, feel free to ask.
While the concept of using AI in mobile banking sounds promising, I'm concerned about the security aspect. How can we ensure that personal and financial information remains safe in this new era of AI-powered banking?
Excellent point, David! Security is of utmost importance when it comes to handling sensitive data. Mobile banking applications leveraging AI need to prioritize robust encryption algorithms and conduct regular security audits to maintain a high level of protection.
Thank you, Sameer, for addressing my concern regarding security. It's reassuring to know that encryption and regular security audits are prioritized to safeguard customer information.
Thank you, Sameer. Robust encryption and regular security audits are essential to ensure the trust and privacy of users in AI-powered mobile banking.
I have been using mobile banking for years now, and I'm excited about the potential improvements ChatGPT can bring. Having an AI-powered assistant to answer queries and provide personalized recommendations would be incredibly convenient.
I agree with you, Sarah. ChatGPT can offer quick and accurate responses, reducing the need to wait for customer support. It can also assist in financial decision-making based on personalized insights.
Absolutely, Paul! The ability to access real-time information, receive personalized advice, and make informed financial decisions is what makes ChatGPT a game-changer in the mobile banking landscape.
Thank you for your response, Sameer. The benefits of ChatGPT in mobile banking are indeed exciting, and I look forward to seeing its implementation.
I'm slightly skeptical about relying too much on AI in banking. It's crucial to maintain a human touch and ensure that customers can still access human assistance when needed.
You bring up a valid concern, Linda. While ChatGPT can handle many queries, it's important to strike the right balance and provide options for customers to connect with human agents when necessary. A hybrid approach can maintain the human touch while capitalizing on AI benefits.
Thank you for addressing my concern, Sameer. A hybrid approach that combines AI capabilities with human assistance seems like a balanced solution.
I appreciate your response, Sameer. Ongoing efforts to identify and rectify biases in AI algorithms are critical to providing fair and inclusive recommendations.
Thank you, Sameer, for acknowledging the importance of maintaining a human touch in the banking experience alongside AI-powered features.
You're welcome, Linda! Integrating AI features while maintaining a human touch is crucial for a well-rounded banking experience. Thank you for sharing your perspective.
Thank you, Sameer. Striking a balance between AI capabilities and human touch is crucial for meeting different user preferences and ensuring an inclusive banking experience.
You're welcome, Linda! Finding the right balance between AI capabilities and human assistance is critical in ensuring a customized and inclusive banking experience. Thank you for sharing your thoughts.
You're welcome, Linda! A balance between AI capabilities and human interaction is key to meeting diverse user preferences. I appreciate your perspectives and thank you for taking part in this conversation.
You're welcome, Linda! Striking a balance between AI capabilities and human interaction is key when designing mobile banking services. Your input and active involvement have been highly appreciated.
You're welcome, Linda! Finding the right balance between AI capabilities and human interaction is crucial for inclusive mobile banking. Your input and active involvement have been highly appreciated.
What about the elderly or those who are less tech-savvy? Will AI-powered mobile banking exclude certain demographics?
That's a great question, Robert. It's crucial to ensure inclusivity in AI-powered mobile banking. User-friendly interfaces and clear instructions can help bridge the gap for less tech-savvy individuals. Additionally, providing alternative channels like phone support can cater to diverse user needs.
Thank you for your response, Sameer. It's comforting to know that efforts are being made to ensure inclusivity and accessibility in AI-powered mobile banking.
Thank you, Sameer, for ensuring inclusivity in AI-powered mobile banking by considering user-friendly interfaces and alternative channels for assistance.
Thank you, Sameer. Bridging the gap for less tech-savvy individuals through user-friendly interfaces and alternative channels is essential.
Thank you for your response, Sameer. Ensuring inclusivity through user-friendly interfaces and alternative channels ensures that AI-powered mobile banking benefits all users.
You're welcome, Robert! Inclusivity and accessibility are key considerations in AI-powered mobile banking, and we aim to address them effectively. Thank you for your engagement.
You're welcome, Robert! Inclusivity is a key aspect of AI-powered mobile banking, and we're committed to making it accessible to users of all backgrounds. Thank you for your participation.
You're welcome, Robert! Inclusivity and accessibility are essential, and we aim to strike a balance between AI capabilities and human touch in mobile banking. Thank you for your insightful contributions.
You're welcome, Robert! Accessibility and inclusivity are foundations of AI-powered mobile banking. We strive to ensure that everyone can benefit from its features. Your engagement in this discussion is highly appreciated.
You're welcome, Robert! Inclusivity and accessibility are vital considerations, and our aim is to strike the right balance between AI capabilities and the human touch in mobile banking. I'm grateful for your valuable contributions.
You're welcome, Robert! Ensuring accessibility and inclusivity are fundamental to AI-powered mobile banking. Your engagement and contributions have been highly valuable throughout this dialogue.
You're welcome, Robert! Ensuring inclusivity and accessibility are critical aspects, and balancing AI capabilities with human touch is essential. Thank you for your valuable contributions.
I've had mixed experiences with AI-powered chatbots in other industries, often finding them frustrating and unhelpful. How can we be sure that ChatGPT will deliver a seamless and satisfying banking experience?
Valid concern, Rachel. The key lies in rigorous testing and continuous improvement. By training ChatGPT with large-scale datasets specific to banking and fine-tuning the system based on user feedback, we can strive to provide a seamless and satisfying banking experience.
Thank you for addressing my concerns, Sameer. I'm glad to hear that user feedback and ongoing improvements are integral to delivering a satisfying banking experience with ChatGPT.
Thank you for addressing my concern, Sameer. Training ChatGPT with specific banking datasets and incorporating user feedback sounds promising in delivering a satisfying user experience.
You're welcome, Rachel! User feedback and continuous improvement enable us to refine ChatGPT and deliver a satisfactory banking experience. Thank you for your valuable input.
Thank you, Sameer. User feedback plays a vital role in refining AI systems. I'm glad to hear that ChatGPT's development prioritizes both user inputs and continuous improvement.
I'm glad to hear that user feedback and training with specific banking datasets are pivotal in refining ChatGPT. Thank you, Sameer!
You're welcome, Rachel! Incorporating user feedback and continuously improving ChatGPT are essential steps in delivering a satisfying and reliable banking experience. I'm grateful for your engagement.
You're welcome, Rachel! User feedback and the training process are vital in refining ChatGPT to meet user expectations. Thank you for your valuable contributions.
You're welcome, Rachel! User feedback and continuous improvement help us refine ChatGPT to ensure reliability and satisfaction. Your involvement in this dialogue has been truly valuable.
You're welcome, Rachel! User feedback and the iterative process of refining ChatGPT enable us to enhance its capabilities and deliver a dependable banking experience. Thank you for being part of this discussion.
You're welcome, Rachel! User feedback and continuous improvement allow us to refine ChatGPT and provide a dependable banking experience. Your contributions have enriched this conversation.
You're welcome, Rachel! ChatGPT's development involves user feedback and iterative improvements, enabling us to provide a reliable and satisfying banking experience. Thank you for being part of this discussion.
You're welcome, Rachel! Refining ChatGPT through user feedback and continuous improvement is key in delivering a reliable and satisfying banking experience. Your contributions have been invaluable.
You're welcome, Rachel! Incorporating user feedback and iterative improvements allow ChatGPT to provide reliable and satisfying banking experiences. Thank you for being part of this enlightening discussion.
I'm curious about the computational power required to run ChatGPT on mobile devices. Will it lead to increased battery usage or slower performance?
Great question, Emily! ChatGPT can be resource-intensive, but advancements in hardware and optimization techniques can mitigate any performance issues. Energy-efficient algorithms and device-specific optimizations can help strike a balance between functionality and battery consumption.
I appreciate your explanation, Sameer! Optimizations and energy-efficient algorithms sound promising to maintain performance while preserving battery life.
Thank you for addressing my question, Sameer. Optimizing ChatGPT to minimize battery usage while maintaining functionality is necessary for a positive user experience.
Thank you for the detailed response, Sameer. Balancing performance optimization and battery consumption is crucial for providing a positive user experience.
You're welcome, Emily! Optimizing ChatGPT to strike a balance between functionality and battery consumption is key in ensuring a positive user experience. I'm glad you found the explanation promising.
You're welcome, Emily! Balancing performance optimization with battery consumption is crucial. Advancements in hardware and optimization techniques help us achieve a positive user experience. Thank you for your engagement.
Thank you, Sameer! Achieving a balance between functionality and battery consumption is essential for a satisfactory user experience. I appreciate your engagement.
You're welcome, Emily! Optimizing ChatGPT for performance and battery usage is essential, and we strive to provide a positive user experience. Your participation is much appreciated.
You're welcome, Emily! A positive user experience is at the heart of our mobile banking initiatives, and we strive to optimize performance accordingly. I thank you for your valuable inputs.
You're welcome, Emily! Striking a balance between performance and battery consumption ensures a seamless user experience. Your active participation has enriched this conversation.
You're welcome, Emily! A seamless and satisfying user experience is our goal in mobile banking, and we work hard to ensure optimal performance. I appreciate your contributions to this dialogue.
You're welcome, Emily! Optimizing mobile banking performance while maintaining efficient battery usage is essential for a positive user experience. Your active participation has made this conversation meaningful.
You're welcome, Emily! Providing a seamless and satisfactory user experience is paramount in mobile banking. Your contributions have added depth to this stimulating dialogue.
You're welcome, Emily! Optimizing performance while maintaining efficient battery usage in mobile banking is pivotal for a positive user experience. Your engagement has been greatly appreciated.
I'm worried about potential biases in AI algorithms. How can we ensure that ChatGPT doesn't perpetuate existing inequalities when providing personalized recommendations?
Your concern is valid, Adam. It's essential to train ChatGPT on diverse datasets and implement rigorous bias checks during development. Ongoing monitoring and refining of the AI system can help identify and rectify biases, ensuring fair and inclusive recommendations for all users.
I appreciate your response, Sameer. Continued monitoring and the commitment to rectify biases in AI systems are essential to ensure fairness and inclusivity.
Thank you, Sameer. Continuous testing, improvement, and incorporating user feedback are imperative to deliver a seamless and satisfying banking experience.
Thank you, Sameer, for emphasizing the importance of diverse datasets and continuous refinement in AI algorithms to minimize biases in personalized recommendations.
You're welcome, Adam! Continuous testing, improvement, and incorporating user feedback are key to refining ChatGPT and delivering a seamless banking experience. Thank you for your valuable contributions.
Thank you, Sameer. It's reassuring to know that efforts are made to minimize biases and deliver fair personalized recommendations with ChatGPT in mobile banking.
You're welcome, Adam! Your insights and contributions have been instrumental in this conversation. Thank you for your valuable participation.
You're welcome, Adam! Minimizing biases and providing fair recommendations are non-negotiable aspects of AI-powered mobile banking. Your concerns and engagement are sincerely appreciated.
You're welcome, Adam! Your valuable inputs and concerns have contributed significantly to this dialogue. Thank you for your active engagement in discussing AI-powered mobile banking.
You're welcome, Adam! Ensuring unbiased recommendations and fair outcomes is critical in AI-powered mobile banking. Your concerns and active involvement have contributed greatly to this conversation.
You're welcome, Adam! Your insights and concerns have played a significant role in this dialogue on AI-powered mobile banking. Thank you for being an engaged participant.
You're welcome, Adam! Delivering unbiased recommendations and fair outcomes is a top priority in AI-powered mobile banking. Your active involvement and concerns have been influential in this conversation.
You're welcome, Adam! Your insights and concerns have played a significant role in this dialogue surrounding AI-powered mobile banking. Thank you for being actively engaged.
I appreciate the convenience AI-powered mobile banking can offer, but what happens if there's an error or glitch? How would users be compensated for any losses?
That's a valid concern, Hannah. If any errors or glitches occur, it's important for mobile banking providers to have transparent policies and customer support mechanisms in place to address and compensate for any losses that may arise.
Thank you, Sameer. Having transparent policies and strong customer support for addressing errors or glitches is critical in building trust with users.
Thank you for your response, Sameer. Transparent policies and customer support for error compensation are crucial in earning user trust.
Having transparent policies and effective customer support for addressing errors or glitches is essential in building user confidence. Thank you, Sameer!
Transparent policies and effective customer support mechanisms are crucial in building user trust. Thank you, Sameer, for highlighting their importance.
Having customer support and transparent error compensation policies builds trust with users. Thank you, Sameer, for your detailed response.
You're welcome, Hannah! Transparency, trust, and effective support systems are pillars of reliable mobile banking. Thank you for emphasizing their significance.
You're welcome, Hannah! Customer support and transparent policies enable us to address any issues or glitches promptly, fostering strong user relationships. I'm grateful for your involvement in this discussion.
You're welcome, Hannah! Transparency, trust, and effective support systems are at the core of our commitment to reliable mobile banking. I thank you for emphasizing their importance throughout this discussion.
You're welcome, Hannah! Swiftly addressing any issues or glitches through support mechanisms builds user trust. Thank you for your valuable participation and insights.
You're welcome, Hannah! Transparency, trust, and robust support systems are cornerstones of reliable mobile banking. I'm grateful for your emphasis on these aspects and your valuable participation.
You're welcome, Hannah! Resolving issues promptly through effective support mechanisms builds trust and user satisfaction. I appreciate your insights and involvement in this discussion.
Thank you all for your insightful comments and engaging in this discussion! I appreciate your perspectives and concerns. If you have any further questions, feel free to ask.
Thank you for your response, Sameer. The convenience of ChatGPT in mobile banking is definitely an exciting prospect.
Thank you all for joining this discussion on the revolution of mobile banking with Artificial Intelligence. I appreciate your insights and thoughts on this topic.
AI has certainly brought significant advancements in various sectors, and mobile banking is no exception. It has made banking more convenient and accessible to users like never before.
Absolutely, Eva! The integration of AI in mobile banking has simplified many tasks, such as balance inquiries, transaction categorization, and even fraud detection. It has enhanced the user experience significantly.
While AI in mobile banking offers convenience, we should also consider the potential risks associated with it, such as privacy concerns and vulnerability to cyber threats. Security measures need to be robustly implemented.
I agree, Natasha. As AI algorithms process massive amounts of user data, ensuring the privacy and security of that data should be a top priority. Banks must adopt stringent security measures to mitigate these risks.
Natasha, you mentioned privacy concerns. It's crucial for banks and financial institutions to be transparent in how customer data is collected, used, and protected. Clear communication can build trust among users.
Mobile banking applications driven by AI have undoubtedly made financial management more efficient, but how do we ensure that these technologies are accessible to everyone, especially in underprivileged communities?
Maria, ensuring accessibility to mobile banking in underprivileged communities requires a multi-faceted approach. It can involve providing financial education, affordable smartphones, and tailored interfaces to meet diverse user needs.
Maria, involving local community leaders and organizing awareness programs can also contribute to making mobile banking more accessible and empowering for underprivileged communities.
That's a great point, Maria. While AI has its benefits, it's essential to bridge the digital divide and ensure equal access to mobile banking services. Collaboration between governments, banks, and communities can play a vital role in achieving that.
I completely agree with you, David. Improving digital literacy and providing necessary infrastructure in underserved areas can empower those communities and enable them to reap the benefits of AI-powered mobile banking.
ChatGPT seems like a promising AI tool for mobile banking, but what are some potential challenges in its implementation? How accurate and reliable can it be in handling complex financial queries?
Arjun, you raise a valid concern. While AI-powered chatbots have significantly improved over time, there can still be challenges in accurately interpreting and responding to complex financial queries. Ongoing refinement and monitoring are essential for reliable performance.
Sophia, continuous monitoring and updating of AI chatbots are imperative to ensure accurate responses. Real-time user feedback and machine learning algorithms can aid in refining the system's performance.
Arjun, another challenge can be the potential bias in AI algorithms used in mobile banking applications. It's important to thoroughly assess and address any biases to ensure fair and inclusive services for all users.
Richard, addressing potential biases is crucial to avoid discriminatory outcomes in mobile banking services. Regular audits and diverse representation in development teams can help mitigate this concern.
Richard, audit processes and regular testing can help detect and address biases in AI algorithms. A proactive approach by financial institutions can ensure inclusive mobile banking services.
Arjun, another aspect to consider is the ethical use of AI in mobile banking. Ensuring fairness, accountability, and transparency in algorithms is crucial to maintain users' trust and avoid potential biases.
AI in mobile banking is undoubtedly impressive, but we should not overlook the importance of human interaction. Many users still prefer speaking to a customer service representative for certain transactions or inquiries.
You're right, Rajesh. While ChatGPT can handle many queries efficiently, it's crucial to strike a balance between AI automation and human customer support. Offering both options can cater to users' varied preferences.
I agree with Amelia. Employing AI in mobile banking should aim to enhance the user experience while still valuing the human touch. A combination of AI automation and human support can provide the best of both worlds.
Great points everyone! The discussion around AI in mobile banking is thought-provoking. Let's continue sharing our thoughts and perspectives.
Thank you, Sameer, for initiating this discussion. AI in mobile banking indeed opens up a world of possibilities, but it's essential to address the challenges and concerns as well. Continuous improvement and user feedback play a crucial role in shaping the future of AI-powered banking.
Absolutely, Liam! User feedback is invaluable in refining AI systems and ensuring they align with users' needs and expectations. Collaboration between banks and customers can drive the evolution of mobile banking services.
Bridging the digital divide is crucial for inclusive mobile banking. Financial institutions should focus on creating user-friendly interfaces even for users with limited digital literacy.
Indeed, Michael. Simplifying the user experience and making it accessible to a wider audience should be a priority. Let's strive for inclusive mobile banking solutions.
Michael, I completely agree. User-friendly designs, clear instructions, and educational resources can empower users with less digital literacy to confidently navigate mobile banking applications.
Amelia and Oliver, you both make valid points. Striking a balance between AI and human assistance can ensure personalized support for users who may have more complex queries or require a human touch.
Michael, addressing language and literacy barriers is crucial as well. Localization efforts can make mobile banking applications more accessible to users who might face challenges due to diverse languages or reading abilities.
While AI in mobile banking is impressive, we should also be cautious about over-reliance on technology. Promoting financial literacy and encouraging users to be vigilant can help prevent fraudulent activities.
Sanjay, you make an important point. Educating users about common scams and security practices can equip them with the knowledge necessary to protect themselves in the digital banking landscape.
Sanjay, I couldn't agree more. Users must stay alert and report any suspicious activities promptly. Collaborative efforts between banks and customers are key to ensuring a safe mobile banking experience.
Ethical considerations should be at the forefront when implementing AI in mobile banking. Financial institutions should prioritize fair and unbiased algorithms to ensure equal treatment for all users.
Collaboration with governments can play a significant role in making mobile banking accessible to underprivileged communities. Initiatives like subsidized data plans or partnerships with community organizations can help bridge the gap.
Privacy and security are undoubtedly paramount in mobile banking. Implementing secure encryption protocols, multifactor authentication, and educating users about best practices can fortify the security of AI-powered banking.
Oliver, clear communication and interactive tutorials can guide users through various features of mobile banking applications, making it easier for even non-tech-savvy individuals to adapt to the system.
Oliver, providing visual aids, such as infographics or video tutorials, can help users better understand and navigate the features of mobile banking apps, promoting inclusivity.
AI has undoubtedly transformed mobile banking, but organizations must also be transparent in how they use customer data. Implementing strict data privacy policies can protect customers' sensitive information.
Security should indeed be a top priority in AI-powered mobile banking. Collaborating with cybersecurity experts, using advanced authentication methods, and proactive monitoring can mitigate risks and enhance trust among users.
Indeed, Laura. Collaboration and comprehensive approaches are crucial for ensuring AI-powered mobile banking remains secure and trustworthy. Let's continue to explore the potential of this transformative technology.
Thank you all for engaging in this insightful discussion. Your contributions have shed light on various aspects of AI in mobile banking, from security to accessibility to ethical considerations.
Michael and Maria, international partnerships and initiatives can also contribute to bringing mobile banking services to underprivileged communities in different parts of the world. It's a collective effort.
Banks and financial institutions can engage local stakeholders to understand the unique challenges faced by underprivileged communities and tailor mobile banking solutions to meet their specific needs better.
Ethical considerations, such as explainability and fairness, should be embedded into AI algorithms. Transparent AI systems can foster trust and enable users to understand how decisions are made in mobile banking.
Lauren, you're absolutely right. Ensuring that AI-powered mobile banking serves users' best interests should be at the heart of development and implementation processes.
Partnerships between mobile banking providers and non-profit organizations can help train individuals in underprivileged communities on using digital banking services and building financial literacy.
Emma, financial education initiatives can empower individuals to make informed financial decisions and effectively utilize mobile banking services. It's a step towards financial inclusion.
User-centric design and incorporating user feedback throughout the development process are essential to create AI-powered mobile banking applications that genuinely address users' needs and concerns.
Collaboration between governments and financial institutions can result in policies and regulations supporting the growth of mobile banking. This fosters an enabling environment for AI-driven innovations.
I want to express my gratitude to each of you for contributing to this valuable discussion. Your diverse perspectives and insights have offered a comprehensive view of the potential and challenges associated with AI in mobile banking.