This document discusses the rise of conversational banking through messaging apps and artificial intelligence. It notes that messaging apps are now the preferred way for customers, especially millennials, to interact with companies. Advances in AI mean that chatbots can take over repetitive customer service tasks. The document argues that conversational banking allows banks to combine messaging, AI, personalization and data to provide low-cost, personalized service that meets modern customer expectations. It provides tips for banks looking to implement conversational banking, such as recruiting talent, understanding technology, protecting user privacy and taking a hybrid approach using both AI and human agents.