Metrobank has launched “Ask Earnest”, an artificial intelligence (AI) chatbot that answers questions about personal finance, including saving, managing debt, and investing.
Available through the bank’s Earnest financial education website, the chatbot allows users to ask follow-up questions and seek simpler explanations of financial terms.
Users can ask about building an emergency fund, how much of their salary to save, whether they can afford a purchase, or what to consider before lending money to friends or relatives, according to Metrobank.
“Financial education should meet people where they are. We want it to be something people can turn to when they have a question or a decision to make. Sometimes, the first hurdle is knowing where to begin or feeling comfortable enough to ask,” said Digs Dimagiba, Metrobank chief marketing officer.
“With Ask Earnest, we aim to make that first step easier and encourage more Filipinos to understand their options before making a money decision.”
Metrobank said the chatbot adds a conversational format to its financial education materials, allowing users to explore topics based on their questions and circumstances.
“Financial mindfulness develops as people learn, ask questions, and apply what they understand to everyday life,” Dimagiba added.
“Through Ask Earnest, we want to encourage the habit of pausing to ask and understand, whether someone is managing their first salary, reviewing their spending, or preparing for a longer-term goal.”
The chatbot expands Metrobank’s Earnest initiative, which began as a personal finance e-book before becoming a website with related content on TikTok and Instagram.
The bank also produced the Moneygurado documentary series, which examined how Filipino culture, history, media, and personal experiences influence saving, spending, and borrowing. It has also held financial education roadshows with schools and organizations.
Ask Earnest can be accessed through the button in the upper-right corner of the Earnest website.
