national average, the cuts could dampen consumer enthusiasm for opening an account with the digital bank. That's worsened by stiff competition from neobanks like Chime that offer high-yield savings accounts, PFM features, and low fees. A robust AI assistant with advanced money management features could draw in new sign-ups as well as drive engagement among existing Marcus accountholders — both of which could ultimately drive deposits.
In building its assistant, Goldman should zero in on the PFM capabilities that would be most valuable to consumers. BofA exemplifies a successful play at virtual assistant with Erica, which it has enhanced over time with capabilities like spending insights and the ability to respond to coronavirus-related inquiries — the assistant now counts
shaneraymartin there you go Mr. Fancy Pants. Another point for Marcus
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