Chris Skinner's blog

Shaping the future of finance

Chatbots need to make sense, not nonsense

Chris Skinner Author Avatar
by

I just had an interesting and lengthy dialogue. After booking flights a while ago, the flight operator cancelled one leg of my flight. Instead of flying to Las Vegas for five nights via Frankfurt, I was now flying to Las Vegas for two nights and then back to my layover city Frankfurt for three nights. WTF?

I call the airline (which took ages).

“Hello, how can I help you?”, says the CSR (Customer Service Rep).

“Well, I booked a flight with you a long time ago, and now you’ve changed my itinerary so that I fly across the world for two nights instead of five”, I say.

“Let me have a look. What’s your booking reference?” says the CSR.

We go through the process.

“Awww”, says the CSR, “it’s a bot”.

“A bot?” I ask.

“Yes”, they say, “a bot. A bot changed your flight because your original flight was cancelled, and so it booked you on the nearest flight.”

“The flight that gives me two nights in Vegas and three nights in Frankfurt, instead of five nights in Vegas and no night in Frankfurt?” I reply.

“Yes”, says the CSR.

“Well, that bot is pretty stupid”, I say.

They agree and we change the flight.

I then sat back and wondered about bots. A bot is an automated view of the world, and it reinforces my discussions of Goldman Sachs and the box-ticking culture.

Box tickers take a view that has no human involvement. It says you are good to go or just say no. They say that a flight that makes sense to the bot, but not to the human, is fine. A human knows that if you book a flight to Las Vegas via Frankfurt that your destination is Las Vegas, and not many nights in Frankfurt. I’ve got nothing against Frankfurt, but just wonder why a bot would do this?

Well, it’s all about GIGO, or Garbage In and Garbage Out.

A bot is only as good as the people that programmed it. We’ve seen this with finance – Goldman Sachs telling most women to get lost, for example – but it is becoming more rife. The latest example is what happened with Meta (Facebook to all those who aren’t with-it). Meta/Facebook launched a new bot the other day which told the world the company exploits people and that Mark Zuckerberg is unhelpful.

OK, there are some bots I love and some that I hate but, either way, bots are also idiots right now. Remember Microsoft's one? The one that became a rascist asshole in just a few hours?

We need true intelligence. It can be artificial, but when a bot says the company it works for exploits people or books a flight that makes no sense, then it’s nonsense.

Give me sense, not nonsense.

TechnologyGridCategories
Chris Skinner Author Avatar

Chris M Skinner

Chris Skinner is best known as an independent commentator on the financial markets through his blog, TheFinanser.com, as author of the bestselling book Digital Bank, and Chair of the European networking forum the Financial Services Club. He has been voted one of the most influential people in banking by The Financial Brand (as well as one of the best blogs), a FinTech Titan (Next Bank), one of the Fintech Leaders you need to follow (City AM, Deluxe and Jax Finance), as well as one of the Top 40 most influential people in financial technology by the Wall Street Journal's Financial News. To learn more click here...

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us

What is the future?

Learn more

Learn more about Chris

About Chris Skinner

The Past, Present And Future Of Banking, Finance And Technology

Fintech expert Chris Skinner: countries need digital transformation to remain competitive

Join me on Linkedin

Follow Me on X!

Hire Chris Skinner for dinners, workshops and more

Learn directly from from one of the most influential people in technology, gain insights from the world's most innovative companies, and build a global network.

Chris’s latest book

Order now

Chris Skinner’s ‘Digital For Good’ Book Launch Event – CFTE

Top 50 Global Thought Leaders and Influencers on FinTech 2023

Chris Skinner
Commentator, CEO of The Finanser and best-selling author at The Finanser

Thinkers360 Thought Leader

Contact Me

Global Awards

Lifetime Achievement Award

Global 100 - 2024 Winner

Chris Skinner - Financial Markets Advisor of the Year - The Finanser - UK 2023

Best Financial Markets Advisor of the Year 2023

30 Best Regtech Blogs and Websites 2023

Kids creating the future bank | TEDxAthens

Captain Cake and the Candy Crew

Captain Cake Winner of a Golden Mom’s Choice Award

TWO-TIME WINNER OF A MOM’S CHOICE GOLD AWARD!

Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser