Typically, banks data on a customer’s interactions is fragmented across departments. The mortgage sector doesn’t necessarily know that a customer consistently pays their credit card bills on time, for instance. SmartBotHub™ enables a finance enterprise to leverage data across these fragmented sources when interacting with a customer. With the full breadth of a customer’s financial life open to the AI banking bot, it is possible for a financial institution to attain the long-sought bird’s-eye view of the customer’s behaviours and act on it appropriately and in a timely manner. All made possible by the now widely sought after Artificial Intelligence in Banking & Finance sectors.