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AbbathTheGrim said:

- Facebook new digital assistant inside the Facebook Messenger app is already being tested in San Francisco.

- According to Facebook's David Marcus M is an assistent that "completes tasks and finds information on your behalf," "It's powered by artificial intelligence that's trained and supervised by people,"

- Marcus says M is different from Siri and Cortana in that it can "actually" complete tasks. "It can purchase items, get gifts delivered to your loved ones, book restaurants, travel arrangements, appointments and way more," he wrote.

http://www.usatoday.com/story/tech/2015/08/26/facebooks-answer-siri-messenger-app/32433853/

Which one will evolve into Skynet? "M" appears to be the most likely contender.

Let an AI have spending access without my direct control. No thanks. I will stick with asking my Virtual Assistant to simply find me the options, I can do the last bit from there. Not to mention Facebook of the 3 is the LEAST I would trust to do this correctly.