As the calendar turned to January, banks rolled out new ways for both commercial and corporate banking clients to conduct business by tapping the potential of several new financial innovations. These new tools, powered by artificial intelligence, greater integration with social media platforms and a digital-first approach to lending, are giving smaller financial institutions more weapons to battle their big banking competition. Banks have also brought these technological advancements to new features designed to help consumers keep their New Year's resolutions by living healthier financial lives. Several financial institutions last month rolled out new tools to help consumers monitor and control their spending or send money to and from any corner of the globe. Banking has not always been a digital concept, but based on how they're approaching recent tech developments, financial institutions are clearly becoming more comfortable in their digital skin. Kasisto and Varo Money Inc. launched a new app-based chatbot that aims to offer consumers personalized insights into their spending.