Two of the ten largest U.S. Visa/Mastercard credit card issuers as well as OCBC in Singapore and Isbank in Turkey use conversational artificial intelligence (AI) technology from Clinc, a University of Michigan spinoff, to respond to account questions from their cardholders. The technology integration to a card issuer’s API adds virtual assistant capabilities that can support balance inquiries, rewards, transaction histories, dispute management, analytics, and other value-added services, most often via a mobile app. Voice digital assistance is a button in the app. However, the Clinc bot...