The system, however, is scalable, and is able to learn in more personalized ways, as well, Lahrech said. Recently, the company rolled out Eno, a chatbot-type of virtual assistant that can do things like break down a customer's charges or alert a customer to fraud through a conversational user interface. The AI fraud detection tool uses natural language processing (NLP) to accept a wide range of interactive responses from customers if it does report fraud, which Lahrech said can help Capital One build more of a context around the potential fraud case. An example is with cases of "friendly fraud," or when a consumer tried to defraud a credit card company, in which the issues can be complex. With ML technology, those answers from customers can be used to give more personalized responses, and also establish a profile based on pattern recognition.