FinTech Magazine January 2026 | Page 71

CREDIT: PAYPAL
The technology is automating routine tasks including data entry, compliance checks and financial report generation whilst personalising customer experience through chatbots and virtual assistants that provide support and tailored financial advice based on individual user data.
Platform scale drives AI companion development Meta expects its Gen AI products to generate between US $ 2bn and US $ 3bn in revenue during 2025. The company’ s focus on AI companions represents a commercial strategy where longer conversations generate more valuable user data and retention metrics. Meta is developing AI chatbots through Project Omni that can initiate conversations and send follow-up messages to users without prompting, according to leaked documents. The chatbots could assume personalities targeted towards certain users, with personas designed to maintain character consistency across interactions whilst adapting responses based on individual user conversation patterns. The training system employs freelance contractors who simulate extended conversations with the bots, rating their emotional authenticity and rewriting messages that fail to meet Meta’ s standards.
fintechmagazine. com 71