This is an exciting time to be alive in the fintech space -- and also an interesting time to be a chatbot, as the experiences of Microsoft's Tay proved last week. As FIs and startups alike leverage the best in entrepreneurial and technological insight to adapt to customers' lives, the gap is narrowing between financial operations (payments, budgeting, etc) and how these interactions are integrated into the lives of users, increasingly cultivating a seamless banking experience. This seamlessness may have taken a step forward last week as German mobile banking startup Number26 introduced a new app that lays the groundwork for extensive artificial intelligence (AI) in financial services. Dubbed PULSE26, Number26's new banking app analyzes customer saving and spending habits to optimize the digital banking experience for each user. PULSE26 alerts the user with quick and comprehensive updates based on personal banking history.