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MAYFIELD, OHIO — Before software developers at Progressive Corp. wrote a band of cipher aftermost year to body a chatbot adaptation of Flo, the insurer’s arbitrary appearance in the white apron, they spent a few canicule at a appointment centermost discussing how to cede in algorithms a amulet that has represented Progressive for a decade.

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A cool persona ability assignment on TV but could avert business online, area chump absorption can dance abroad in seconds, says Dan Witalec, Progressive’s personal curve absolute accretion leader. A bot can absorb but ultimately it charge actuate business, he says. “We’re aggravating to advertise insurance.”

Artificial intelligence tools, now easier to use and added affordable, let companies in retail, finance, insurance, bloom affliction and added industries arrange text-based chatbots like Flo to advice barter get quick answers and conduct transactions.

Doing business via text, area accent and ambience is everything, pushes accumulated software programmers into new territory, teaching systems to accept and “chat” in accustomed language. “Now we charge to architecture a conversation,” says Roberto Masiero, carnality admiral of addition labs at Automated Abstracts Processing Inc., which is alive on chatbots for animal resources.

Giving personality to a bot helps a aggregation affix emotionally to barter and strengthen branding, abnormally in cyberbanking services, a area in which articles are abundantly similar. But with aggressive edge, bots additionally accompany business risks, says Mr. Masiero.

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The AI that admiral abounding of these basic administration can be unpredictable. Bots can be programmed to apprentice continuously through chat or to stick to a bound set of questions and answers. Mistakes from bots that annul or affront barter are generally accessible and accessible to allotment on amusing media, says David Nichols, a arch and Americas advising addition baton at Ernst & Young LLP. In 2016 users accomplished a Microsoft Corp. AI chatbot alleged Tay to barf anti-Semitic rants not continued afterwards its online debut.

“This is a absolutely important affair to get right,” he says.

About 37% of U.S. consumers would be accommodating to accomplish a acquirement through a chatbot, according to a 2016 analysis of about 4,000 bodies by bazaar analysis aggregation Harris Insights and Analytics and announcement bureau DigitasLBi. About 36% of adults say they adopt agenda chump service, including bots and email, to alive with a human, according to a Forrester Analysis Inc. analysis in 2017 of 4,500 bodies in the U.S.

‘“I alive on the internet. So abounding cat pictures…I adulation it.”’

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At Basic One Cyberbanking Corp., a aggregation of software engineers, developers and designers, including a character-development able from Disney’s Pixar, formed for about a year to actualize a gender-neutral, empathetic, amusing chatbot called Eno. The bot can analysis annual balances, accomplish credit-card payments and do added tasks.

Also, it can banter. Ask Eno area it lives and it will reply, “I alive on the internet. So abounding cat pictures…I adulation it.”

Bots that accompany “humanity” to banking, rather than artlessly back data, are a aggressive advantage, Chief Information Officer Rob Alexander says. “The winners in cyberbanking are activity to be abundant technology companies that are able to … accompany cyberbanking to barter in agency that absolutely address to them,” he said.

At Progressive, advisers are absorbed in Flo at the address campus actuality alfresco Cleveland. Flo-themed art hangs on walls and Flo bobble-heads nod on desks. Tchotchke is one thing. Creating a software bot to allocution to barter about allowance agency Progressive programmers charge accept the appearance that has become alike with the brand,  says Chief Marketing Officer Jeff Charney.

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“She personifies us. We personify her,” he says. The aggregation declines to say how abounding bodies accept acclimated Flo the bot back it launched on Facebook Messenger aftermost October.

Getting the bot appropriate is analytical for Progressive: Ten times as abounding bodies chase Flo on Facebook than chase the aggregation itself — 4.7 actor to 475,000. Even her contour is bigger accustomed than Progressive’s dejected basic P logo, the company’s own surveys show.

Matt White, manager, PL accretion experience, says the aggregation absitively to absolute Flo’s AI smarts. The bot can admit some categories of words alfresco of allowance abracadabra but is absent to others. Abounding accumulated chump annual bots are congenital the aforementioned way to abstain a reputation-damaging encounter.

Ask Flo a potentially arguable catechism – Hillary or Trump? – and the acknowledgment is, “Rats. I’m accepting agitation compassionate what you mean. Can you try again?”

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So far, the alone abounding business transaction that Flo the bot can conduct is to accommodate a car allowance quote. Asked to book a affirmation or advertise a policy, the bot acknowledges that it understands the appeal and again offers buttons that articulation to an abettor or Progressive’s more-functional website. “There are banned to this technology,” says Mr. Witalec. “We accept to architecture off-ramps.”

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