The Capital One skill allows you to check your credit card balance or make a payment when one is due. This is secure: The skill performs security checks and requires you sign in using your username and password. Then, when you open the skill, you must provide a four-digit code to confirm your identity. Just be wary of who is around when using the skill -- anyone who overhears you say your personal key can access your banking or credit card info just by asking Alexa.
Because Amazon opened up the development of Alexa Skills to anyone with the free Alexa Skills Kit (ASK) in 2015, anyone can create an Alexa Skill. As Alexa uses Natural Language Programing (NLP), those looking to build a skill don't need to worry about complex speech recognition. The ASK tools also makes it easier for novices to work with sophisticated NLP ideas.

This shouldn't scare you away, however. Alexa-enabled devices are great to have in your home and, with a little tweaking, can prove to be very good companions. I’ve hand-picked some of the most useful and unique Alexa skills from the thousands that are out there. Many of these skills will not be enabled by default, so you may need to follow the proper activation steps before using each one for the first time. 

With new Alexa Skills constantly bring released, there a new skill for almost any need. With an Alexa-enabled device everyone can have their own Alexa to boss around. Is that something people want? Due to the huge number of Alexa Skills out there already — and the number of Amazon Alexa devices already sold — the resounding answer to that questions is: "Alexa…"
Alexa Skills themselves are quite helpful. However, even with an updated Skills section in the Alexa app and the ability to add skills using only your voice, discovering new and useful skills is a less than desirable experience. So much so that Amazon actually created a skill called Skill Finder which, you guessed it, helps you discover new skills. Launch it by saying, "Alexa, open Skill Finder" or "Alexa, tell Skill Finder to give me the skill of the day."
Like all AI devices that use National Language Processing or NLP, Alexa does not understand all voices easily. But she learns to understand her people over time. She does, however, require people to speak in simple terms, with appropriate pauses, and use specific word orders. There are many times when she will say "I'm sorry, I don't know the answer to that question." More than likely, she doesn't recognize a word order or misunderstood the question.
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