EXCLUSIVE — Finn.ai wants to use artificial intelligence and machine learning to promote financial literacy and healthy consumer behaviors in its users.

The conversational commerce platform, which currently works with banks to provide a white-labeled “virtual assistant” for banking apps powered by AI, is developing new features for what it calls “customer care.”

These are features to be integrated into its application that target a user’s spend, credit use, and savings, Finn.ai CEO and founder Jake Tyler told Bank Innovation.

“We’re spending a very long time making a system that helps with your everyday cash flow. There are a range of ways to help [users] save and pay bills,” he said, adding that these features would go into production within the next few months, though there was no release date specified.

Finn.ai currently works with a handful of banks that have integrated its assistant, including its bank partner ATB Financial. Together with ATB, Finn.ai has built out a virtual assistant for Facebook Messenger, which ATB customers can use for their online banking needs.

Finn.ai’s new features include AI-powered notifications for bills, which would alert a customer when a bill is due and check that there is enough money in the customer’s account to cover that bill, as well as allowing the customer to pay in one tap.

Finn.ai is also developing features that would help users better view how their behaviors affect their credit score, Tyler said.

“You can see how your everyday behavior might be affecting your credit score, how that [behavior] is likely having a negative impact,” Tyler said. This would include things like pushing out an alert on the ways continuous overdraft on one’s credit card could be impacting that customer’s overall financial  health, Tyler said.

Finn.ai, which is a team of about 30 people based in Vancouver, Canada, was one of six companies to win the “Best in Show” title during last week’s FinovateFall conference. Banks as well as end users are drawn to Finn.ai’s ease of use, Tyler said.

“What resonates with our customers when we speak to them is the simplicity of the interface,” Tyler said. “The ability to do your everyday banking through such a [simple] interface helps to improve customer financial health and deepen the customer’s relationship with the bank.”