The chatbot jolt is underway, banks piling into this style of app - integrated, of course, with The App.The mobile banking app is where the bots action is.Integration in mobile banking apps "will be the dominant channel for chatbot-driven customer communications, accounting for 79 per cent of successful interactions in 2023," Juniper Research says in a new report.Bank of America's Erica is the case study highlighted by Juniper.Operational cost savings from using chatbots in banking will reach US$7.3 billion globally by 2023, up from an estimated US$209 million in 2019, Juniper said. This represents time saved for banks in 2023 of 862 million hours, equivalent to nearly half a million working years.Chatbots will have a far less disruptive impact on insurance claims management, with the analysts seeing slight cost savings "of almost US$1.3 billion by 2023, across motor, life, property and health insurance, up from $300 million in 2019."Juniper sees broader brilliance : "As Natural Language Processing evolves and domain expertise is added to AI systems, chatbots are demonstrating a proven record of seamless service delivery, which will drive adoption by initially sceptical financial institutions. "This is reflected in a growth of nearly 3,150 per cent. in successful banking chatbot interactions between 2019 and 2023."