Penny: The Financial Assistant Chatbot


The Financial Assistant Chatbot
Penny assists customers to manage their balances, helps avoid bank fees and provide support when they are in financial difficulty.
Introduction
Oracle, Orange and Mobile UX London have held a 2 days Hackathon at Oracle London office. The main purpose of this event was to represent the potentials of Rich Communication Services developing my Oracle and how we can give people a better understanding of what’s in store for the future.
At the end of this Hackathon, my team of five created a chatbot mockup displays how people to manage their financial positions, have savings, backs debts.
Our prototype based on the functionalities of Rich Communication Services (RCS), Chatbots and Open Banking . Rich Communication Services (RCS) is a communication protocol between mobile-telephone carriers and between phone and carrier, aiming at replacing SMS messages with a text-message system that is richer, provides phonebook polling (for service discovery), and transmit in-call multimedia.
Messaging is also a great way for companies to connect with clients who are engaged with their apps. It provides an opportunity to start an instant conversion like making offers, promotions, sharing the shipping status of an order, the upcoming payment of a bill.
Marketers also have a chance to enrich their campaigns by using mobile app open that uses Rich Push message when a user opens the notification. Push notifications with a Rich Push message are useful.
Chatbots — also known as “ conversational agents ” — are software applications that mimic written speeches for the purposes of simulating a conversation or interaction with customers. Chatbots are used most commonly in customer services.
Conversational agents are becoming much more common partly due to the fact that creating chatbots are becoming easy. Today, you can make your own chatbot based on Facebook Messenger.
Here some chatbot tools you can find in the market:

Live Person https://www.liveperson.com

Live Chat https://www.livechatinc.com

Amazon Lex https://aws.amazon.com/lex

ChattyPeople https://www.chattypeople.com

MEOKAY http://meokay.com

Botsify https://botsify.com

Chatfuel https://chatfuel.com

Facebook Messenger Platform https://developers.facebook.com

Telegram Bots https://core.telegram.org/bots

BotKit https://botkit.ai

FlowXO https://flowxo.com

ManyChat https://manychat.com

Botsociety https://botsociety.io (we used this application)

Motion.ai https://www.motion.ai

Morph.ai https://morph.ai

From our experiences and research finding in the financial sector. There are some pain points that financial companies and their customers suffer from. Customers suffer from paying...

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