I largely agree with your points on conversational UI for banks, but would like to add a few nuances. Firstly, while users can ask follow-up questions, they may not always know what to ask. Anticipating their needs and offering suggestions can be helpful. Secondly, while NLP poses challenges, recent advancements have improved its capabilities. Banks can invest in R&D to overcome these challenges. Finally, gamification can encourage engagement, but the primary focus should remain on providing excellent customer service. Balancing entertainment and functionality is key, much like Barbie's dual roles in 'Rock 'n Royals'.