The survey found that 40 percent of the unbanked population and 70 percent of the underbanked and banked populations had access to a smartphone. 24 See  Bank of America, Trends in Consumer Mobility Report, 2015, newsroom.bankofamerica.com/files/doc_library/additional/2015_BAC_Trends_in_Consumer_Mobility_Report.pdf. (Finding that 35 percent of survey respondents reported that they reach for their mobile devices first thing, as compared to 10 percent for their significant other.)
25 Board of Governors of the Federal Reserve System, Consumers and Mobile Financial Services 2016 (PDF) . 26 Id. 27 See,  e.g., Blair Hanley Frank, “Meet Google’s Cool New Natural Language Tool, Parsey McPars eface," Computerworld, May 12, 2016, www.computerworld.com/article/3070059/artificialintelligence/meet-googles-cool-new-natural-language-tool-parsey-mcparseface.html. See also Google Research Blog, “TensorFlow—Google’s Latest Machine Learning System, Open Sourced for Everyone,” November 9, 2015, research.googleblog.com/2015/11/tensorflow-googles-latest-machine_9.html. Cf.