Re: No wiggleroom to be given
Worse than that. I can easily see a future when it will be (next to[*]) impossible to get any customer service except via Messenger, which will require a FB account, which, even if FB really do not get or store or use any of one's financial data (yeah, right...) will by itself be good for FB's "monthly active users" stats, hence share price, etc., etc.
Even if only a fraction of customer-rep interaction is delegated to chatbots banks are hoping to make a saving by reducing headcount, too.
Result: Zuck and other FB shareholders becomes richer, banks cut costs, service becomes worse...
And all that comes before storing, analyzing, and using the financial data for ads, or at least bragging about your unproven ability to increase efficacy of targeted ads with all that additional info, and before the info is sold to 3rd parties for all sorts of purposes.
Oh, and what about "shadow profiles"? How certain are we that banks will not provide FB access to our financial details and transactions without even checking if we have FB accounts in the first place? Frankly, I am scared.
[*] The "next to" qualification is included only because there may be a regulatory regime that mandates multiple customer service channels. I do not expect such a regime to specify availability, maximal response times, or any QoS/SLA whatsoever.