Marketplace Morning Report's new Skin in the Game series explores what we can learn about

money and careers from the $300 billion video game industry. Plus, here how an Oakland-based

program helps young people get the skills they need to break into this booming industry.

Listen to Skin in the Game and more from the Marketplace Morning Report wherever you get your

podcasts. Chatbot hallucinations get old real fast when your money is on the line. From American

public media, this is Marketplace Tech. I'm Megan McCarty-Korino.

The Consumer Financial Protection Bureau, the federal watchdog for the banking sector,

recently issued a warning on the use of artificial intelligence chatbots in the industry.

Previous iterations of chatbots, which operate more like automated decision trees,

have long been used as part of customer service, but these new generative tools,

like ChatGPT, are so good at imitating human communication, banks may be relying more heavily

on them. While these tools can synthesize huge amounts of data, they're prone to hallucinating,

or making things up. And they're not equipped to handle complex questions, says Eerie Meyer,

a chief technologist at the Consumer Financial Protection Bureau.

In our complaint database, there were a huge number of people begging for help when they were

sort of trapped in the circuitous conversations with the robot. And they ranged from people trying

to submit fraud alerts all the way to a chatbot promised me that funds had been transferred,

they ultimately were not. And I was charged to junk fee because of this misunderstanding.

So it sort of runs the gamut all the way up to material that makes a difference to a consumer

in real dollars and cents immediately. In the past, we've done some coverage on

neo banks, kind of completely digital fintech banking services that don't have physical branches,

often, you know, use automated customer service, and often serve people who have

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