“Today we talk to the machine” - Unveiling data for providing micro-credit loans using conversational systems

Abstract

In this positional paper, we aim to explore the nuances of designing and developing a conversational user interface for small-business owners in vulnerable situations. By unveiling and considering alternative-criteria for providing micro-credit loans, conversational systems can help financial institutions to deliver micro-credit offerings more effectively and with justice. We describe a pilot study with 34 entrepreneur women in which they were invited to use a business health assessment chatbot prototype, and analyze the experience a focus-group with a sub-set of those women. We conclude by discussing some insights on the use conversational systems in support of small-business entrepreneurs.