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Since it launched in November, the AI chatbot ChatGPT has been used by millions for many different purposes. From students trying to write their essays, to creating songs and even complaint letters, people have been trying to test the limits of the tool. Now, one woman from South London has used the chatbot for a completely different purpose - to decide whether or not to end her marriage. 'Sarah' had been having an affair with a man she met online for six months and decided to ask ChatGPT whether or not she should divorce her husband. ChatGPT is an artificial intelligence system created by the San Francisco-based company, OpenAI. The firm, which specialises in creating and deploying AI, was created in 2015.

Artificial intelligence (AI) and emotional intelligence (EI) and how they can optimise the customer experience (CX) is the focus of an investment by Daimler Financial Services into New Zealand start-up, Soul Machines. The undisclosed strategic investment in Soul Machines aims to further develop artificial and emotional intelligence for a multi-channel, customer-service pilot using an avatar'Sarah' with facial recognition. Soul Machines is a leader in the field of emotional Intelligence for use in machines and digital avatars. Soul Machines has created a number of avatars including Nadia, a virtual human voiced by Cate Blanchett that's being trialled by the National Disability Insurance Agency (NDIA). Nadia was designed to operate across multiple channels from the outset to create a consistent interaction for clients, with the face being just one representation.

It's November 22, 2028 and Sarah, a young mother, gives her two children a kiss goodbye before buckling them into the driverless car that will bring them to school. Sarah doesn't have a car and has no plans to buy one. Living in a suburb, she has run the numbers and the result is clear: It's much cheaper to order a car only when she needs one. The "robo-taxi" has also made her life easier, but only after such vehicles upended the business models which carmakers had relied on for decades. The revolution is already underway, with every major brand racing to create autonomous electric cars and trucks that will always be just a few clicks of a smartphone away.

With this in mind, how might artificial intelligence (AI) affect the world of retirement accounts, specifically defined contribution (DC) plans? With fee transparency, few surviving providers, and robos directing consumers to the most suitable investment products and strategies, the employer's role in retirement funds will probably diminish. In turn, true personal pension accounts, akin to bank accounts, will likely emerge at the expense of company-run plans. He has over a decade of experience in roles spanning product development, consulting, and strategy across the DC landscape.