“Most routine business transactions (purchase, travel, reservations) take place between a human and a virtual personality. Often, the virtual personality includes an animated visual presence that looks like a human face.”
On this one, he got it wrong. While it is true that most routine business transactions take place between a human and a computer, I think it would be an exaggeration to say that it involves a “virtual personality”. And, certainly there are few that include a visual presence that looks like a human face.
Once again, Kurzweil seems to have missed. . . and missed big on this prediction.