The Importance of Trust in Lead Generation for Financial Services

 Globally, chatbots are now used by such companies as Bank of America, eBay, H&M, Pizza Hut, Samsung, Microsoft, Amazon, Subway, Zalando, while in Poland they include Alior Bank, Bank Millenium, ING Bank Śląski, Warta Insurance, Pizza Hut Polska, GPW, Tymbark, and many many others.These days, the most common sort of chatbots available on the market 

are so-called rule-based chatbots, whose function is limited to running just in the area of specifi c, closed databases. Therefore, although there are often dubious views about the potential among the individuals who engaged with chatbots, the questions they posed went beyond the understanding of a chatbot at a particular point.Companies and brands have to 

decide what limits to impose as their bots develop over time since bots are meant to be dynamic, capable of learning and changing (Daugherty, Wilson, 2018, p. 94). The dynamics of artificial intelligence (AI) development will clearly be associated with further development of chatbots. Since so-called narrow artificial intelligence is restricted to particular human talents, 

Such as driving a car or playing chess we handle 

it now. It does not allows a completeExperts believe that there is a greater than 10% probability AGI will be developed before 2028; digital technology and the Internet provided us priceless resources: new media, in common (Aigrain, 2012, p. 22). Therefore, it can be concluded that observed dynamics and directions of the development of digital technologies, 

their diversity and a degree of market absorption (actual implementations – companies/brands, areas of applications), are strongly related to human behaviour, especially as a consumer, infl uencing their preferences, expectations, and professed values better than 50 percent chance by 2025. It is 90% expected that businesses and brands striving to maximize their profits will seek to build specific networks in which chatbots might fulfill 

designated purposes while still in interaction and only working with other bots by the end of this century. Consequently, a human's function would be more largely focused on straight programming operations, administering and controlling such systems (e.g., chatbot trainer, chatbot manager, etc.). Fascinatingly, it is more often claimed that chatbots will not only be significant in commercial or consumer terms but also help shape the subsequent evolution of 

The Digital Society experts estimate that 

leaving a chatbot behind that will speak like we did, would know our stories from the past and soothe our family after our death. Such "digital doubles" will also show up instead of the living. Celebrities will utilize bots to establish their presence on social media, reply to comments on Facebook, and post images and signatures on Instragram. They can also reply to emails, plan meetings or social gatherings. This will be our digital outsourcing of life and life after death It 

will gently raise expectations from possibilities that chatbots present, so enforcing on businesses or brands a need to methodically adopt or multiply capability that they will be able to realize that manner.People have evolved; people have developed technology simultaneously employing them to produce their next generations. This makes the technical development the continuation of the biological evolution. Only in several hundred thousand 

years did Homo sapiens evolve; the technologies they produced need only decades of thousands of years to be completely developed and suitable for general use (Kur zweil, 2016, p. 53-55). It is difficult to forecast, nevertheless, whether the noted changes will be homogeneous. Their ratht chance is Barrat, 2015, p. 25. It will definitely speed up processes 

Of employment for chatbots and staff

members in separate departments or groups of roles as complimentary ecosystems. However, it is important to segregate these areas specifically so that, for a guy, chatbot employment is not competing but rather serves as a real complement and support tool. Humans doing what they do bestexerc sing their judgment and social skills to help consumers purchase things that better fit their needs while artificial intelligence is doing 

what it does best sifting through and analyzing copious data to prescribe particular actions (Dau gherty, Wilson, 2018, p. 90).  Growing numbers of open source platforms and resources can also increase a number of solutions that will be directly designed and serviced by businesses or brands using them (typical solutions based on the most popular functionalities) with simultaneous development of marketing services, agencies and media houses 

orientated at preparing and management of customized solutions).Chatbots are currently usually built on top of already-existing messaging systems like Facebook Messenger or WhatsApp. Chatbots like Facebook message or Slack let a corporation or brand right where the action is – in chat and message apps. In this sense, consumers and prospects can obtain the knowledge and experience they are looking for where it is most likely to reflect cognitive 

Conclusion

and emotional processes, which take place in human brain. Research and work on its latter levels, however, are still under progress The world in which we live now is a refl ection of constructs and meanings, which acting as symbols are a semiotic refl ection of the concepts or ideas accepted or rejected by the society or its selected segments. An accompanying effect of information metabolism determines an individual level, in which every man perceives and 

processes data, shapes their mental sphere, including emotions, while infl uencing their further cognitive activities. At the same time, the observed confi rmation bias causes that a consumer shows an inclination to prefer information that is in line with their previous experiences, professed values or convictions, which results in selectivity of received information. As a result, a consumer may totally reject opportunities that using digital 

technologies brings to marketing, in particular with respect to its specifi c applications (e.g. chatbots, wearables, etc.) or interpret them wrongly. The result will be even stronger, the more extreme emotions and fears these technologies will evoke. The social acceptance of chatbots can be lower, as many human jobs will be replaced by machine labor (Borek, Reinold, 2016, Resulting polarization of views may hinder a process of social acceptance of digital 

technologies and a pace of their penetration into practice. However, the already observed multiplicity of available „smart” solutions allows to suppose that digital technologies will contribute to increasingly bigger diversity and multi-polarity in companies/brands’ approach to a consumer, especially toward Z generation representatives. As the research shows