Business
AI powered Chatbots as personal financial advisors: Interview with Avi Ben Ezra of SnatchBot
We live in a time where there are tremendous technological advancements. Although people have come to expect extraordinary things there still is lack of awareness as far as chatbots are concerned.
ChatBots are simply artificial intelligence entities which are running on a software program. They can be integrated into messaging apps where they can effectively perform a variety of tasks. They had been used extremely effectively in many industries where they have accomplished sophisticated tasks very efficiently. There is simply no reason why chatbots cannot be programmed to become personal financial advisors. Such a chatbot can be easily programmed to keep track of all our little daily expenses. They can issue warnings which can prevent us from overspending. There can be no doubt that there are many individuals who can benefit from this technology.
One of the companies which have already been looking at some of these possibilities is Fintech. According to Ben Ezra the CTO of SnatchBot it has been emphatically proven that a chatbot can be programmed to accomplish just about anything you can imagine. This is why it is entirely possible for financial service organizations to create something like a personal financial advisor which will be able to assist people with investments, with budgeting and with more effective spending of available finances.
What exactly could people expect to see in the nearby future?
People have already seen for themselves the tremendous impact which the Internet had on our planet in the last couple of decades. Therefore, there is justification when people think that when it comes to artificial intelligence, there are very few limits. There are very large financial institutions today that have all of the necessary resources to create very sophisticated chatbots who could literally transform the way in which people handle their finances. There will be benefits both for financial institutions and also for individuals. The cost savings for financial institutions could be substantial. Furthermore, the use of artificial intelligence will help to eliminate unnecessary human errors. Ben Ezra is particularly excited about the convenience which customers will experience. Chatbots will make it possible to effectively manage several accounts at once. It will also be entirely possible to have frequent feedback regarding the state of certain accounts and many other things.
It will be just as good as having a bank in your home or in your pocket. It is possible to conduct a whole range of automated transactions and to do frequent payments. All of this can be accomplished by making use of your chatbot and you won’t even need additional apps. People today have become spoiled by technology and therefore they have high expectations. New technologies have barely been implemented when consumers have new demands. They want more secure solutions, personalized transactions, greater speed and a higher level of consumer convenience. All of this can become possible when people are provided with a personal virtual assistant. Such an assistant will immediately respond to every message whereafter it will instantly access any customer data as well as information on a whole range of financial products.
What other surprises does artificial intelligence have in store for people?
There is a company by the name of Gartner’s who has done extensive research. The acquired data indicate that within the next year or two almost 90% of consumer interaction with their company will be accomplished without human assistance. Ben Ezra is urgently encouraging all business owners to immediately look at the tremendous benefits which can be derived from the implementation of chatbots. Just imagine having a personal financial advisor on your smartphone or on your PC which can provide you with accurate and current advice which can help you to invest your finances where the best return on investment can be guaranteed. Your personal financial advisor can also provide you with all of the information which you may require when it becomes necessary to obtain a new motor vehicle. Just imagine how much frustration can be avoided when you have a professional in your corner that can help you to organize your life and your finances. Financial experts working at large financial institutions acquire a higher level of language usage which can confuse the layman and to interact with them can be intimidating. However, now it is possible to have your own personal financial advisor who will have the ability to simplify the terminology used in finances and to translate all that complicated it terms into layman’s language.
Will there be any other benefits?
It is entirely possible to develop a chatbot that can help you analyze your finances in order to help you determine where you can cut back on expenses. One such chatbot is already operating very effectively and this AI entity is known as Trim. This is specifically a chatbot for finances that can assist the individual with a whole range of tasks. This financial chatbot can check bank balances, manage other expenses such as subscriptions and can even assist the individual in the setting up of a spending alert so that the user knows when critical levels have been reached. Such a financial chatbot is completely at home on the Facebook messenger, SMS messenger, and many similar applications. According to statistics, the chatbot Trim has been instrumental in helping a large number of users save more than $6 million.
Conclusion
The benefits of having a personal financial advisor are just about immeasurable. So many mistakes are made because people forget. This can result in many financial problems such as additional interest and fines for late paying. However, having a chatbot as a personal financial advisor can help a person to avoid all of these frustrating human shortcomings. Because once a chatbot has been informed about anything it can never forget unless it becomes a victim of a critical system failure. But even then most reputable chatbot companies such as SnatchBot will always have backup systems in place to ensure that the consumer does not suffer any unnecessary harm. There is no reason why you should not benefit from a personal financial advisor. The technology is available and the benefits far outweigh the cost of implementation.
Suggested reading: Follow weekly news by Avi Ben Ezra or access his personal site here.
Youtube video – A vision of the future, by SnatchBot:
Business
Ethical Affiliate marketing : Defining the Conflict
Affiliate marketing in the online casino industry walks a fine line between commercial interest and editorial integrity. Affiliates earn commissions when players register or deposit through affiliate links, yet these same affiliates often publish reviews claiming to guide users toward the best and safest operators. This dual role creates a potential conflict of interest: can a reviewer remain truly objective while being financially rewarded for player conversions?
This ethical tension is not hypothetical, it defines the entire casino review system. Readers expect independent recommendations, while advertisers aim for visibility and sign-ups. The challenge, therefore, lies in ensuring that commercial necessity never compromises editorial honesty. Without clear ethical structures, the trust between affiliate and reader quickly collapses, breaking the foundation of any long-lasting brand in the iGaming space.
The Ethical Solution: Editorial Firewalls
Responsible affiliates have developed a structural response to this dilemma known as the “editorial firewall.” This principle strictly separates commercial operations (such as partner negotiations and commission management) from editorial teams responsible for content, ratings, and recommendations. By preventing advertisers or commercial staff from influencing content, affiliates safeguard the objectivity of their reviews.
Antti Virtanen, Editor in Chief of Kasinohai, explains this responsibility clearly:
“My primary responsibility is to maintain the editorial firewall. If an advertiser’s payment can influence a casino’s star rating, we have failed our readers, and that short-term gain will instantly destroy the decade of trust we have built.”
The editorial firewall functions much like journalistic separation between newsroom and advertising department. Editors work with established criteria: licensing, game variety, payment methods, and player protection measures. Without any interference from commercial targets. When this discipline is followed, affiliates can confidently assure readers that ratings reflect evidence-based quality, not marketing budgets.
Maintaining such independence often comes with short-term sacrifices: rejecting lucrative offers from less trustworthy operators or declining to modify reviews to appease advertisers. Yet, for ethical affiliates, these sacrifices strengthen the brand’s reputation and guarantee the long-term viability of their business model.
Prioritizing Safety and Trust
True ethical affiliation starts with a single non-negotiable principle: only promote casinos that are safe, licensed, and compliant with responsible gambling regulations. Trust begins at selection. Every casino under review should pass a rigorous safety audit, covering valid gaming licenses, secure payment processing, transparent bonus terms, and the presence of responsible gambling tools such as deposit limits and self-exclusion options.
Antti Virtanen underlines this commitment:
“The ethical commitment begins at the gate: our first and most important filter is licensing and player safety. Any operator that fails our rigorous background checks on responsible gaming tools, fair terms, or payment security will never be promoted, regardless of their commercial offering.”
By excluding unsafe or unlicensed platforms, affiliates act as front-line gatekeepers, shielding players from potential fraud or exploitative practices. Ethical affiliates must also stay proactive, regularly updating their databases and removing any operators that lose licenses, alter fair terms, or develop unresolved consumer complaints. This proactive maintenance shows readers that the site’s focus is not only on visibility but on genuine player well-being.
Ethics in affiliate marketing also extend to how bonuses and offers are presented. Affiliates must reject misleading promotions that hide behind fine print or impose unrealistic wagering requirements. Fair representation of bonus terms not only protects players but also differentiates responsible affiliates from competitors who prioritize click volume over credibility.
Transparent Disclosure
Transparency is a cornerstone of ethical affiliate marketing. Readers deserve to understand how affiliate links work and how they affect the content they see. A clear, accessible disclosure explains that the affiliate may receive compensation when users register or deposit through referral links. However, this relationship should never impact the user’s cost, terms, or overall experience on the casino site.
The purpose of transparency is twofold: it builds trust with readers and aligns with regulatory expectations for advertising disclosures. A good disclosure statement is not hidden in small print; it’s presented as part of the site’s editorial ethic. It assures visitors that commercial partnerships never influence ratings, reviews, or recommendations.
In practice, this can appear as a brief statement at the start or end of a review, linking to a detailed explanation of the site’s business model. Clear communication empowers readers to make informed decisions and it alleviates the underlying skepticism that often surrounds online casino reviews.
Transparency also extends to responsible gambling communication. Affiliates should remind readers that gambling involves risk and provide visible links to national helplines, self-exclusion tools, and player protection resources. When ethical values are embedded not only in compliance checklists but also in editorial tone, the brand earns genuine user respect.
Long-Term Value
The ultimate goal of ethical affiliate marketing is sustainability building a relationship of long-term trust that outlasts the allure of short-term profits. A single misleading recommendation might boost conversions temporarily, but the resulting loss of credibility can permanently damage a brand.
Antti Virtanen captures this philosophy:
“In the end, ethical affiliate marketing is not a high-volume business; it’s a high-trust business. Our long-term success isn’t measured by the conversion rate of a click, but by the number of players who return to us because we saved them from a poor or unsafe experience.”
This perspective reframes success away from mere performance metrics toward qualitative measures: user satisfaction, returning readership, and brand reliability. Ethical affiliates understand that authority and trust cannot be purchased—they are earned through consistent transparency, careful editorial standards, and user-focused decision-making.
Long-term value also aligns with broader industry goals of promoting responsible gambling and sustainable player engagement. Affiliates that champion these principles contribute positively to the reputation of the iGaming industry as a whole.
Ethical affiliate marketing is not a static policy it is an ongoing commitment to transparency, responsibility, and respect for the audience’s trust. Establishing strict editorial firewalls, prioritizing player safety, and maintaining open disclosure practices form the blueprint for sustainable success. In an environment driven by competition and revenue potential, ethics are not a hindrance but the very strategy that distinguishes credible affiliates from the rest.
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