Heck no. I don’t want anything to do with a “hip,” text-speaking bot. There’s nothing more nauseating than products that are so blatantly marketed to Millennials. It’s a bot. It doesn’t need to send me winky emoji.

Also, just because a bot is “friendly” doesn’t make it less of a bot. I feel better staying in charge of my own money than letting a machine make financial decisions for me (and track my consumer behavior for purposes unknown).