“…The application of artificial conversational agents to communicate information on behalf of humans has been a major trend that is being utilized intensively, especially in the field of commerce [1], [2], [3], [4], [5], entertainment [6], tourism [7], medical [8], [9], [10], [11], [12], [13] as well as education [14], [15], [16], [17], [18]. According to the author in [19], by implementing AI, the banking industry could enjoy possible cost savings of up to 25 percent in Information Technology operations.…”