While many customized experiences are delivered by chatbots such as Bank of America’s Erica or Chase’s Digital Assistant, we’re watching for providers to focus on extending their capabilities. So far, however, consumer demand for chatbots is only lukewarm.

Examples include Bank of America’s Erica and Chase’s Digital Assistant. Unmet demand among the aspiring affluent consumer demographic. They’re in a bind: Their financial needs must be addressed, but they haven’t accumulated enough funds to work with advisors.