According to Gartner’s prediction by 2020, consumers will manage their 85% of the relationships with the enterprise without interacting with a human. implementation now. ChatBots are software programs that are present in our messaging apps to perform different tasks.  Fintech companies have already started their path towards this trend. As Bots can be programmed for virtually anything, it would be possible for financial service organizations to build a financial advisor, broker, investment manager and virtually any other bot.