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It can be a chatbot. It can be an AI-powered tool. It can be a whole lot of things, but it seems to be working. Retailers offered generative AI or AI-powered agents had a 2% higher conversion rate than those that didn't. Sara Lebow (09:04):. And so is that just that those retailers are Amazon or [inaudible 00:09:08]. Zak Stambor (09:09):. Right.

These bespoke advanced AI systems will offer personalized experiences that feel more like interacting with a knowledgeable brand representative than a standard chatbot. The trend could be encouraged by the 77% of consumers in the US and Europe who say they鈥檙e either very or fairly comfortable with AI being used to make chatbots more helpful, per an Adobe and Econsultancy survey.

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Integrating AI and data into chatbots and virtual assistants will give PFM tools forward-looking capabilities. PFM analysis currently focuses on past transactions. For example, it can break down a user鈥檚 spending from the previous month into categories. But presenting users with this information still leaves them with the burden of deciding how to act on it.

Beyond chatbot enhancement, AI can also be used in software development and document drafting. S&P Global cites two examples: Virginia-based FVCbank uses AI-driven, small business lending platform Lightning Lending to process applications, while New York-based Five Star Bank uses AI for credit decisions in its indirect auto lending business.

Consumers worldwide want more from their mobile banking apps. Here are three charts that examine what consumers are looking for and how meeting demand benefits banks.

Expect more search ad formats, and potentially the integration of generative AI (genAI) into the main search functions, rather than only chatbots. Meta will abandon its celebrity-inspired AI chatbots. Instead, the company will focus on using its Meta AI chatbot to drive more commerce and customer service. Social media鈥檚 subscription experiment will continue.

Walmart鈥檚 adaptive retail strategy is heavy on genAI, AR: The retailer is relying on the technologies to deliver personalized experiences, engage Gen Z, and improve customer service.

Meta chatbots. Meta launched 28 chatbots, powered by Meta AI, that serve different functions. These likely will seed the ecosystem for third-party AI bots. This changes the path to discovery. As AI platforms become new destinations for information, brands need to establish a presence.

Furthermore, the research explored Gen Z's awareness of AI chatbots and delves into the factors that may influence them to increase the adoption of AI chatbots. Respondents to the online survey were selected to align with the US population on the criteria of age (among ages 15 to 26) and gender. The survey was fielded by a third-party sample provider.

I think that the five models or five steps that OpenAI has laid out, chatbots, reasoners, agents, innovators, organizations. It can read as the steps to AGI, it also can read as the roadmap to developing AI that can completely replace a human worker. That last step is an organizer, is AI that can do the work and tasks of an entire organization.