The customer experience has also been greatly improved. Intelligent chatbots are available 24/7 to answer customer questions, freeing up human advisors for more complex requests. Furthermore, "robo-advisors" use AI to create personalized investment portfolios based on each individual's goals and risk profile, democratizing access to wealth management. Financial analysts and advisors also use tools like ChatGPT Gratuit [https://chatopenai.net/ ] to summarize market news or to help draft reports, a valuable application confirmed by a recent IBM study on AI in banking.