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Online chat may refer to any kind of communication over the Internet that offers a real-time transmission of text messages from sender to receiver.

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In 2014, Brown and Woolley released a web-based version of Talkomatic.The first online system to use the actual command "chat" was created for The Source in 1979 by Tom Walker and Fritz Thane of Dialcom, Inc.It offered several channels, each of which could accommodate up to five people, with messages appearing on all users' screens character-by-character as they were typed.Talkomatic was very popular among PLATO users into the mid-1980s.This presents a significant opportunity for worldwide success, if the right strategies are in play.

Many aspects of finance, from peer-to-peer payments and asset management to stock market trading and credit scores, are adopting an app-centric strategy and calling all established financial services to follow suit.

Beyond making a splash in the US, these fintech apps are going global, signaled by Robin Hood and Baidu’s integration to make free trading of US stocks available in China and Apple Pay’s latest expansion into Canada.

In today’s mobile-first world, it’s crucial for any company to adapt to the growing app-first mindset on an international scale.

A Bain study from November 2015, also revealed that the mobile app is the most delightful channel of interaction for retail bank customers in the US, UK, Australia, China, South Korea and Japan over any other channel.

And now, with Millennials the largest generation in the workforce, financial institutions must evolve to meet their on-demand lifestyles or risk losing out to more relevant startups in the space.

With chatrooms replacing many face-to-face conversations, it is necessary to be able to have quick conversation as if the person were present, so many people learn to type as quickly as they would normally speak.