This chatbot is one the best AI chatbots and it’s my favorite too. Evidently it is the current winner of Loebner Prize. The Loebner Prize is an annual competition in artificial intelligence that awards prizes to the chatterbot considered by the judges to be the most human-like. The format of the competition is that of a standard Turing test. You can talk with Mitsuku for hours without getting bored. It replies to your question in the most humane way and understands your mood with the language you’re using.

Human touch. Chatbots, providing an interface similar to human-to-human interaction, are more intuitive and so less difficult to use than a standard banking mobile application. They doesn't require any additional software installation and are more adaptive as able to be personalized during the exploitation by the means of machine learning. Chatbots are instant and so much faster that phone calls, shown to be considered as tedious in some studies. Then they satisfy both speed and personalization requirement while interacting with a bank.
“Major shifts on large platforms should be seen as an opportunities for distribution. That said, we need to be careful not to judge the very early prototypes too harshly as the platforms are far from complete. I believe Facebook’s recent launch is the beginning of a new application platform for micro application experiences. The fundamental idea is that customers will interact with just enough UI, whether conversational and/or widgets, to be delighted by a service/brand with immediate access to a rich profile and without the complexities of installing a native app, all fueled by mature advertising products. It’s potentially a massive opportunity.” — Aaron Batalion, Partner at Lightspeed Venture Partners