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Of course, while most of these chatbots interact with consumers, some chatbots interact on behalf of consumers.

For instance, Trim created a bot that will chat with Comcast for you to negotiate your bill or ask for a one-time credit.

Dror Oren, co-founder and vice president of product at Kasisto, sees a couple of reasons for the recent surge in chatbots.

For one, as the technology has advanced, “we can scale computing power faster, driving ability to have AI relatively cheaply in comparison to what it was five years ago,” Oren says.

Many of these financial bots (from banks and independent startups) may also boost financial literacy by answering questions about APR, the Fair Credit Billing Act or other money concepts.