As virtual assistants like Apple's Siri and Google Assistant become a bigger part of consumers' lives, companies in Canada are exploring how to move beyond chatbots and create predictive "concierge" experiences for their customers. But it's a challenge to build a service that adds value, and isn't just a flashy use of artificial intelligence (AI). eMarketer's Paul Briggs spoke with Hossein Rahnama, founder and CEO of fintech AI firm Flybits, about why financial brands are ahead of the pack, and how they're creating and measuring these services.