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Enoch Yiu is the chief reporter of business pages at the Post.She writes feature stories with a focus on regulatory issues, stock exchanges, the Securities and Futures Commission, accountancy, insurance, pension and other financial industry development issuse.The Kai-powered chatbot will handle 82 per cent of customer inquiries and requests with no need for any human intervention.The service will roll out in phases and the first phase is expected to be available in the second quarter of 2018, subject to regulatory approval.She learns by experience, so the more people talk to her, the smarter she becomes. She is friendly but will stand her ground if you start arguing with her. Microsoft said Tay was inadvertently put online during testing.

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We will continue to innovate in these areas as technological advances will create new ways for clients to engage with our bank.” The bank has selected Kasisto’s Kai Banking platform for its track record of delivering reliable and intelligent conversations with customers of financial institutions.Microsoft was "deeply sorry for the unintended offensive and hurtful tweets from Tay", and would "look to bring Tay back only when we are confident we can better anticipate malicious intent that conflicts with our principles and values".However, Tay soon became stuck in a repetitive loop of tweeting "You are too fast, please take a rest", several times a second.Some users on Twitter began tweeting politically incorrect phrases, teaching it inflammatory messages revolving around common themes on the internet, such as "redpilling", Gamer Gate, and "cuckservatism".As a result, the robot began releasing racist and sexually-charged messages in response to other Twitter users.