Financial virtual assistant goes viral for scolding users for wasteful spending

It can be said that the time has come when virtual assistants become an indispensable part of our daily lives. They help people do all kinds of things, from writing emails, making reports, translating, writing code or even confiding.

But have you ever tried using AI to control your personal spending? If not, try using Rolly, an application that someone has humorously nicknamed "Financial Duolingo", with the ability to make you not know where to hide your face when spending money. With a deep and sharp vocabulary, Rolly has been "causing a storm" on Facebook in recent days.

In the simplest terms, Rolly is a virtual assistant that will help you automatically organize, categorize, and calculate your account balance based on the input (money in, money out) you provide via text message. The interesting thing is that you can set different personalities for Rolly, to make the response more interesting. Currently, Rolly is priced at 499,000 VND for a lifetime package on iOS, with features such as creating multiple wallets, advanced spending analysis, etc.

Once registered, you can set up some initial basic information, like Rolly's personality (Happy, Sad, or Angry), as well as his first wallet balance.

Next, you can set up spending categories for Rolly to organize. You can add default categories or set your own.

In addition to the built-in items (English only), you can add custom spending items.

But the thing that most people like about Rolly is probably the personality of this AI character. If you choose the red Rolly (Angry version), it will remind you like a strict mother (or wife) with every personal expense.

After the installation was complete, the author tried adding a few initial expenses. After the first two expenses of the morning (food and gas), with a rather gentle and even praising attitude, Rolly "turned its back faster than rice paper" with the following expenses. Not only did it remind, it also sarcastically and "professionally" scolded each expense.

Below is a compilation of some of Rolly's sharp moves:

Rolly's attitude towards each expense, especially large expenses, became increasingly harsh. Not only was he harsh, this AI also knew how to be sarcastic and make comparisons, which sounded "extremely annoying".

But what's more surprising is that this AI is also harsh with users, not sparing in scolding us.

Sometimes, this AI also shows concern in a very patriarchal way, but if you keep scolding like that, who would dare to spend much?

However, it is unclear whether the Vietnamese version of Rolly is not yet complete, or whether there is a problem with the training data, but the way this AI addresses itself is still not very consistent. When happy, it calls users "you" - "I", but when angrier, it dares to call users "may" or "con". Perhaps the developer should improve and make the way of addressing more consistent so that when scolding, it will be a bit more "respectable".

You can choose 2 other personalities for Rolly, which are Happy Rolly and Sad Rolly. However, through experience, these 2 versions perform worse than Angry Rolly, the answers are still quite "fake" and sometimes mix English and Vietnamese.

Like Rolly Vui Vui also lacks personality and is quite buggy.

In addition, Rolly will also have a section to list your expenses. However, an important error that the author discovered is that although in the spending chart section, Rolly fully lists expenses by category, in the balance fluctuation section, Rolly "forgot" an important expense, which is the expense of 988,000 VND for booking a homestay. In addition, for special expenses in categories that users add themselves, Rolly cannot classify them by itself but can only classify them according to available app categories. Therefore, users must manually classify them after adding expenses.

Rolly's income and expenditure statistics and fluctuations still need improvement.

Finally, in addition to adding income and expenses, Rolly also supports you in answering questions related to personal finance. However, sometimes it will not understand correctly, and it will not save the conversation after leaving (at least with the free version). Furthermore, the free version will limit the number of times you can ask.

In short, up to this point, Rolly is still just a virtual assistant that happily supports in recording expenses. However, there are still many weaknesses that need to be improved, making this application not really suitable for serious financial management. Have you experienced this "brutal" financial AI? Please share your thoughts in the comments section below.

Quartz

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