UBank is the first online-only bank in Australia. It used IBM Cloud Garage to conceive and plan its smart assistant, RoboChat, the minimum viable product of which the bank implemented with Watson Assistant on the IBM Cloud platform. Iteratively during its months in beta, RoboChat has expanded its field of answerable questions to 80,000. Using RoboChat, UBank has already increased its online loan application completion rate by 15 percent. Read the case study: https://ibm.co/2NFxmBE