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Many financial technology (fintech) applications have incorporated interactive computer agents to act as mediators between the user and the fintech system. This paper provides a comprehensive review of interactive fintech agents from technological and social science perspectives. First, we explain the general fintech landscape and define interactive fintech agents. Next, we review the major technologies involved in creating fintech: (1) artificial intelligence and machine learning, (2) big data, (3) cloud computing, and (4) blockchain; as well as the specific key technologies enabling the following aspects of interactive fintech agents: (1) intelligence, (2) understanding of users, and (3) manifestation as social actors. Following the technology review, we examine issues and theories related to human-fintech agent interaction in the following areas: (1) agents’ understanding of users, (2) agents’ manifestation as social actors (via embodiment, emotion, and personality), and (3) users’ social interaction with agents. Finally, we suggest directions for future research on fintech agents.
Pal et al. (Mon,) studied this question.