The credit score has evolved from one number to an array of scores, informed by analytics and increasingly enhanced with artificial intelligence.

As chat technology advances, making a purchase could be as easy as typing "Buy, Robot." Several banks and fintech companies are developing ways to advance chatbots for commerce and customer service.

The services that Kasisto, Personetics, North Side and Teller offer banks to automate interactions vary in their levels of personality and the workload they can handle.

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.

The president's executive order reflects a lack of trust in the identity information shared between countries. In theory, blockchains are tailor-made to solve this problem, but current systems may not be up to the task.

How can AI help consumers spend and save wisely? If friction should be added back into the system, can we put it where it is useful, not frustrating?

Alipay's deal to buy MoneyGram for $880 million may be the centerpiece of its strategy to expand beyond China's borders, but it's not its first move in recent months. The Alibaba payments affiliate has already extended its reach in several other ways.

Banks want and need to rival tech giants in their use of customer analytics. Some think artificial intelligence is the key to making it happen.

Fraudsters are licking their chops at the thought of infiltrating person-to-person payment systems and enabling a never-ending flow of small-value transactions — with the potential to strike bigger accounts.

Fraudsters are licking their chops at the thought of infiltrating person-to-person payment systems and enabling a never-ending flow of small-value transactions — with the potential to strike bigger accounts.

Banks are becoming more comfortable with robotic process automation and could use it overhaul everything from the payroll functions to advising customers.

As artificial intelligence makes analytics better, the question of who gets to benefit from the intel will come up more. Fintech startup wallet.ai believes customers should be told of propensities that might be hurting them.

For banks, which stake their business on being trustworthy and reliable, there's a certain amount of risk to putting a chatbot out there that could make embarrassing or serious gaffes.

Host Brett King chats with TheFinanser.Com's Chris Skinner and American Banker's Penny Crosman. Then, Brett reports from the floor of the Computer Electronics Show, where he spoke to Guy Kawasaki, a VC who drives a semi-autonomous Mercedes.

Kasisto, a provider of chatbots to banks, announced Thursday a $9.2 million Series A funding round led by Propel Venture Partners with participation from Mastercard and Commerce Ventures.

Disruptors have chased banks for years with the promise of easier and more social payments and other services, but only recently have they started wielding a weapon that should have incumbents worried, says investor Adam Dell.

Even in the age of Watson, computers are still only as smart as the people who teach them.

The new year will ring in developments in the ways banks use chatbots and other artificial intelligence, and produce digital products and services.

The annual Consumer Electronics Show is full of big ideas, from Internet-connected toasters to AI toothbrushes. A few inventions revealed at this year's show could have big implications for payments.

By using some of the sales and performance analysis associated with e-commerce, Revel says the inherent advantage that stores have in connecting with consumers can be enhanced for the next generation of retail competition.