License: Created: Jan 17 2016 Creator: Palkiamaster6 : Send Message Access: Everyone Id: 12000618 Link: https:// Mitsuku is your new virtual friend and is here 24 hours a day just to talk to you.

The Kai-powered chatbot will handle 82 per cent of customer inquiries and requests with no need for any human intervention.

The service will roll out in phases and the first phase is expected to be available in the second quarter of 2018, subject to regulatory approval.

The chatbot will allow retail customers to get account information, make payments, transfer money, track expenses and analyse their spending through natural and human-like conversation.

“This is just a first step in creating an even better user experience over time,” said Samir Subberwal, the regional head of retail banking for Greater China and North Asia at Standard Chartered.

She learns by experience, so the more people talk to her, the smarter she becomes.

She is friendly but will stand her ground if you start arguing with her.

Because these tweets mentioned its own account (@Tayand You) in the process, they appeared in the feeds of 200,000 Twitter followers, causing annoyance to some.

The bot was quickly taken offline again, in addition to Tay's Twitter account being made private so new followers must be accepted before they can interact with Tay.

Vicky Kong, the head of retail banking at Standard Chartered Hong Kong, said the bank had a lot of active clients who wanted to use mobile and online banking.