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Dubbed Eno–that’s “One” spelled backwards–it’s the first text-based chatbot from a U. For more complex tasks, Eno will direct users to the appropriate section of Capital One’s website when possible.

But instead of launching Eno through an app like Facebook Messenger or Skype, Capital One is sticking with plain old SMS.

A free app popular with children has been taken over by bullies for more sinister purposes.

Sim Simi was intended to be a 'robot' who can be taught to reply to messages automatically with quirky responses.

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He has since turned his attention to other areas of law, including resolving landlord and travel disputes.

The app uses artificial intelligence to learn from all of the conversations it has had with users.

But this learning method allows bullies to teach it respond with insults and foul language.

While Dodelin says the goal with text messaging was to reach the largest possible audience with the least amount of friction, forgoing Facebook could also help protect banking customers’ privacy.

To explain why Capital One is launching an SMS chatbot, Dodelin claims that 97% of smartphone owners regularly use text messaging.