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The decision to launch in-app signals a departure in Bank of America's bot strategy. For one, it might have decided that the risks of disintermediation from using an external messaging app were too high -- if consumers were to associate Facebook Messenger with banking services, rather than BofA, that could result in an erosion of loyalty. Laurie Beaver, research associate for BI Intelligence, Business Insider's premium research service, has compiled a detailed report on chatbots that explores the growing and disruptive bot landscape by investigating what bots are, how businesses are leveraging them, and where they will have the biggest impact. Finally, it compares the potential of chatbot monetization on a platform like Facebook Messenger against the iOS App Store and Google Play store.