Starling Bank Unveils AI-Powered Chatbot in the UK

Starling Bank has introduced a new generative AI chatbot called ‘Spending Intelligence’ within its mobile app, available to all personal and business account holders. Powered by Google’s Gemini LLM, the chatbot allows users to inquire about their spending habits across over 50 customizable categories. Accessed through a search bar in the app’s spending section, it offers insights into spending during specific timeframes but refrains from providing financial advice due to regulatory constraints. The feature is free to use, and Starling’s chief information officer, Harriet Rees, confirmed there are no plans to monetize it. The bank aims to leverage customer interactions to explore further applications of AI, like fraud detection. Importantly, any data obtained will not be used for training Gemini’s models. Future updates may include features related to saving, but currently, the focus is solely on delivering insights into user spending.

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