A group of Capital One customers have begun piloting Eno, a chatbot that uses artificial intelligence to answer requests for account information and to pay bills via SMS and emojis. “You can get a quick update on your accounts by texting Eno things like ‘what’s my balance’ or ‘how much credit do I have’,” the bank says. “You can also pay your credit card bill by texting ‘pay my bill’.”

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