We rarely go to the bank anymore. Our main interaction with these money-tending edifices is through the tiny money-spitting mouths of ATMs. But we miss the human interaction.
It’s unlikely we’ll ever get that same-level of human-banker contact back, but at least Capital One is giving us a banking chat bot, the first, they claim, SMS-based one in the U.S.
And it can speak emoji.
The bank unveiled its new mobile technology, called Eno, at SXSW in Austin, Texas, on Friday. And yes, “Eno” is “One” spelled backwards. Clever bird, that Capital One.
Capital One’s chat bot is not about casual, meme-filled conversation. It’s also not app based. It will, using natural language processing, respond to your various SMS-text-based banking needs, including checking on account balances, recent transactions, when your next credit card bill is due, credit limits and history and even that impossible-to-remember bank routing number.
You’ll also be able to make payments and, here’s where the fun comes in, converse in emoji. When Eno tells you that have $25 in your savings account, you can send a sarcastic thumbs up emoji and Eno will get you. The chat bot can also understand a cash bag emoji. Send one and you get a broader summary of your accounts. We can’t wait for when Eno can send us a money bag emoji to indicate that we’re flush with cash (and hopefully not that you’ve over-drawn and owe the bank a bag full of money).
Eno, which is free, opens to a limited number of Capital One customers starting Friday.