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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.

Meta: AI ad models enhanced revenues per user, and the Meta AI chatbot attracted more than 500 million users. Rising capital expenses for data centers and AI chips underscore Meta鈥檚 commitment to sustaining AI-driven engagement across social media and wearables. Infrastructure investments and demand risks. Amazon: Generative AI (genAI) demand helped drive 48.6% YoY growth in AWS鈥檚 operating income.

Many companies slimmed down operations by automating some customer service functions with chatbots. Regional banks鈥� choice: While lowered interest rates may provide some relief, some regional banks have already chosen to extend their CRE loans, per The Federal Reserve Bank of New York.

The news: OpenAI has launched a real-time search feature within ChatGPT, giving users up-to-the-minute information and positioning the chatbot as a competitor to traditional search engines like Google. The search functionality offers live updates on sports scores, stock prices, news, and weather by pulling data from real-time web sources and partnerships.

Consumers with bundled services might be looking to downgrade or modify, rather than cancel outright, and speaking to an agent or chatbot is the best approach, the industry groups stated. Cancellations over the phone usually require identity verification, which could help avoid malicious disabling of alarm monitoring services or other security-related subscriptions.

The incident surfaced when the father of a dead woman found out her internet presence had been used to create a 鈥渇riendly AI character鈥� chatbot, per Wired. Protecting people from becoming AI personas: Character AI deleted the avatar and acknowledged that the user who created the chatbot violated its policies.

The potential for AI to disrupt search is high鈥�32% of generative AI (genAI) users ask chatbots questions in a similar manner to how they use a search engine, per KPMG. A less-than-stellar reputation: Despite its rapid ascent, Perplexity faces scrutiny over its content scraping methods, leading to a cease-and-desist order from The New York Times.

This strategy also gives FIs a human alternative to relying on chatbots to provide the humanized customer service customers crave. But FIs that use virtual tellers should train them to understand the local clientele they鈥檒l be interacting with if they鈥檙e located elsewhere.

Zooming out: OpenAI鈥檚 search feature, along with an expected similar product offering from Meta, underscores generative AI (genAI) companies鈥� interest in making their chatbots an all-in-one solution. Being able to generate text, get advice, and search the web would help ChatGPT become a killer website and support CEO Sam Altman and Jony Ive鈥檚 desire for a dedicated AI device.

Thought leaders, marketers, and brands who are optimistic about AI need to demonstrate its real-world use via chatbots, personalization, data analysis, and other forms of optimization. They also need to show there are proper guardrails in place to prevent issues of bias and hallucination that arise from genAI use. 2. Most digital shoppers have used AI.

The news: ChatGPT Plus and Teams subscribers now have access to ChatGPT with search, a new real-time web search feature, potentially positioning the generative AI (genAI) chatbot as a competitor in the search and related advertising space. OpenAI, which has more than 1 million paid users, plans to expand search access to free users in the coming months.

The integration of the Copilot chatbot into Bing allows users to engage in natural language searches and get contextual, AI-driven results, which CEO Satya Nadella described as an evolution toward a personalized 鈥淎I companion.鈥�.

Our fourth annual study reveals which of the seven largest Canadian banks lead in mobile app innovation, based on an exclusive survey around which features consumers value most.鈥�

ByteDance operates the popular Doubau genAI chatbot in China. It鈥檚 the equivalent of OpenAI鈥檚 ChatGPT, which isn鈥檛 available in the region. GenAI security in focus: Since ByteDance鈥檚 AI chatbots are exclusive to China, it will be difficult to determine the extent of the intern鈥檚 sabotage.

Microsoft鈥檚 expansion beyond generative AI (genAI) chatbots like Copilot into proactive business agents could indicate its intent to differentiate itself from OpenAI鈥檚 ChatGPT. Salesforce and Microsoft emerge as AI agent rivals: Microsoft putting AI agents front and center is timely.

The news: Meta entered a multiyear partnership with Reuters that will give its AI chatbot access to Reuters鈥� news content to answer real-time queries, per Axios. The partnership indicates Meta鈥檚 reentry into the news domain after years of contentious relationships with publishers. It could lead to ads being placed alongside reputable news content, which benefits both companies.

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.

Last year, a Belgian man died by suicide after six weeks of chatting with an AI chatbot鈥攖丑别 chatbot encouraged him to do so.

The shift from genAI chatbots to business-specific AI agents is ongoing, which means profits stemming from the usage of new AI tools could take months to surface. The Wharton study indicates that while AI adoption has increased, concern about issues like data governance, data leakages, and security remain high, especially for enterprises.