Capital One Financial has developed a "chatbot" named Eno, an automated program that can communicate with the bank's customers via text message to give them information on their accounts and help them make credit-card payments from their smartphone. Capital One's (cof) gender-neutral virtual assistant, which is being rolled out as a pilot to a segment of its customers, uses artificial intelligence to respond to natural language text messages from users about their money, the bank said on Friday. For example, customers might ask Eno to show them their recent account balances or pay off a credit-card bill. Ken Dodelin, Capital One's vice president of digital product development, said the bank deliberately chose a gender-neutral name. The predominance of female names among popular digital assistants has provoked criticism recently.