FinTech companies are trying to take out the friction in the online banking experience, making it 1) Faster 2) Easier 3) Sexier 4) All of the above 5) None of the above According to the author, what should chatbot creators focus on first? 1) Implementing geolocation alerts 2) Using Al to understand customer emotions 3) Solving day-to-day financial problems 4) Cutting operational costs What does the author say banks need in order to provide relevant contextual notifications? 1) Access to loT data 2) The ability to analyze transaction data 3) Machine learning algorithms 4) Approval from regulators What does the author predict will be the source of future Al financial companions? 1) Tech companies like Google and Amazon 2) Existing retail banks 3) Peer-to-peer payment apps 4) Independent Al startups Smart money artifact is 1) Financial products on sale in a physical building requiring signature in paper form. 2) A bank that makes a promise that they have the best products available. 3) Bank utility embedded in our world enhance by artificial intelligence that respond to your financial needs as when they present themselves. 4) An application, website or branch where customers process their payments. 5) None of the above. What capability does the author say banks currently lack? 1) Collecting customer data 2) Storing large amounts of data 3) Analyzing data in real-time 4) Transmitting notifications