They learn more about customers from their interactions with bots, and this allows the bank to offer targeted products and services, says Jared Johnson, a principal digital strategist at Solstice, a mobile-tech consultancy. Typically, a bank's data on a customer is fragmented across departments. The mortgage business doesn't necessarily know that a customer consistently pays her credit card bills on time, for instance. But to interact with a bot like Wells Fargo's, customers have to share their accounts with it. With the full breadth of a customer's financial life open to the bot, it should be possible for a financial institution to attain the long-sought bird's-eye view of the customer's behaviors and act on it.

https://www.americanbanker.com/news/this-is-how-financial-services-chatbots-are-going-to-evolve