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
Scaling Success: Why Smart Habits Beat Growth Hacks in Modern eCommerce

There’s a romanticized image of the eCommerce founder: a daring risk-taker chasing the next big idea, fueled by late-night caffeine and last-minute inspiration. But the reality behind scaled, sustainable brands tells a different story. Success in digital commerce doesn’t come from chaos or clever hacks. It comes from habits. Repetitive, structured, often unglamorous habits.
Change, a digital platform created by eCommerce strategist Ryan, builds its entire philosophy around this truth. Through education, mentorship, and infrastructure, Change helps founders shift from scrambling for quick wins to building strong systems that grow with them. The company doesn’t just offer software. It provides the foundation for digital trade, particularly for those in the B2B space.
The Habits That Build Momentum
At the heart of Change’s philosophy are five core habits Ryan considers non-negotiable. These aren’t buzzwords; they’re the foundation of sustainable growth.
First, obsess over data. Successful founders replace guesswork with metrics. They don’t rely on gut feelings. They measure performance and iterate.
Second, know your customer deeply. Not just what they buy, but why they buy. The most resilient brands build emotional loyalty, not just transactional volume.
Third, test fast. Algorithms shift. Consumer behavior changes. High-performing teams don’t resist this; they test weekly, sometimes daily, and adapt.
Fourth, manage time like a CEO. Every decision has a cost. Prioritizing high-impact actions isn’t optional; it’s survival.
Fifth, stay connected to mentorship and learning. The digital market moves quickly. The remaining founders are the ones who keep learning, never assuming they know it all.
Turning Habits into Infrastructure
What begins as personal discipline must eventually evolve into a team structure. Change teaches founders how to scale their systems, not just their sales.
Tools are essential for starting, think Notion for documentation, Asana for project management, Mixpanel or PostHog for analytics, and Loom for async communication. But tools alone don’t create momentum.
Teams need Monday metric check-ins, weekly test cycles, customer insight reviews, just to name a few. Founders set the tone by modeling behavior. It’s the rituals that matter, then, they turn it into company culture.
Ryan puts it simply: “We’re not just building tools; we’re building infrastructure for digital trade.”
Avoiding the Common Traps
Even with structure, the path isn’t always smooth. Some founders over-focus on short-term results, chasing vanity metrics or shiny tactics that feel productive but don’t move the needle.
Others fall into micromanagement, drowning in dashboards instead of building intuition. Discipline should sharpen clarity, not create rigidity. Flexibility is part of the process. Knowing when to pivot is just as important as knowing when to persist.
Scaling Through Self-Replication
In the end, eCommerce scale isn’t just about growing a business. It’s about repeating successful systems at every level. When founders internalize high-performance habits, they turn them into processes, then culture, then legacy.
Growth doesn’t require more motivation. It requires more precision. More consistency. Your calendar, not your to-do list, is your business plan.
In a space dominated by noise and novelty, Change and its founder are quietly reshaping the conversation. They aren’t chasing trends but building resilience, one habit at a time.
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