Industry · Retail Banking

A banker that answers safely, 24/7, at consumer scale.

Account questions, lost cards, transfers, mortgages — handled instantly with bank-grade compliance.

Retail Banking · AI agent• Online
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The industry problem

What's breaking in retail banking right now.

Call centers cost a fortune

Branch & call center per-interaction cost is among the highest in CX.

Hallucinations = regulatory pain

Generic AI gives wrong rates or terms — banking regulator nightmare.

Disputes drag on

Manual dispute intake takes 20 minutes; customer escalates; NPS drops.

KYC + onboarding friction

New customers abandon onboarding at the document-upload step.

How it works · 01

What the banker knows

  • Product catalog: accounts, cards, loans, terms, rates
  • Branch hours, ATM locations, fee schedules
  • Customer profile (with verified consent): balances, products held
  • Dispute & fraud playbooks
  • Compliance rules: what AI may and may not say
  • Mortgage and loan criteria + pre-qual logic
How it works · 02

What it does for every customer

  • Answers product, fee and rate questions accurately
  • Performs simple transactions: transfers, statements, card actions
  • Initiates disputes with full evidence intake
  • Walks customers through KYC and onboarding
  • Pre-qualifies mortgage & loan applicants
  • Hands off complex matters with full case file
A real example

Mid-size retail bank · 1.4M customers

Calls/day
32K
Avg hold
11 min
Onboarding abandon
39%
Dispute backlog
9 days
Before the AI agent
11 min
Avg hold time
39%
Onboarding abandon
9 days
Dispute backlog
₪₪₪
Per-call cost
Friday · 23:40 Reply < 30s
Hi — I lost my card today. Also need to dispute a ₪380 charge from yesterday I don't recognize.
Sorry to hear — handling both. First, your card: freezing now (done — old card disabled). New plastic ships tomorrow free, and your digital card is live in your Apple Wallet right now. Want me to text you the activation?
Yes. And the ₪380?
Reviewing — that's 'GlobeShop UK' from Sat 14:33. You confirm you didn't authorize? Opening dispute case #DSP-44218, provisional credit ₪380 applied within 2 business days while we investigate. You'll get a final decision within 10 business days. Anything else?
What your team sees
Case
✅ Card replaced + ₪380 dispute opened
Risk
Card auto-locked · digital card active
Compliance
Disclosures sent · audit log saved
Customer
Verified · Tier 1 · 8 yrs
Followup
Decision SLA · 10 business days
Pushed automatically to your CRM via webhook.
After 4 months
Hold time
<45 sec
From 11 min
Onboarding completion
84%
From 61%
Dispute SLA
2 days
From 9 days
Cost per contact
−72%
Vs. agent
Industry-specific

Built for retail banking.

01

Bank-grade compliance

Strict knowledge boundaries, disclosure logic, audit trail, regulator-ready.

02

Step-up authentication

Verifies customer before sensitive actions; integrates with your MFA.

03

Card & account actions

Freeze, replace, activate, change PIN, set limits — all in chat.

04

Dispute intake

Full evidence collection, provisional credit, case opening with audit log.

05

Loan pre-qualification

Mortgages, personal loans — pre-qual with disclosures, hands warm leads to officers.

06

All your markets

Native multilingual for diverse customer bases — same compliance everywhere.

Who it fits

Made for every shape of retail banking.

Retail banks

Branch & call-center cover

Neobanks

Digital-native scale

Credit unions

Member-first service

International banks

Multi-region compliance

Business banking

SMB & corporate

Wealth management

Triage & scheduling

Common questions

  • Yes — native connectors for the tools banks use (CRM, scheduler, billing, catalog). Custom APIs via webhooks.

Ready when you are

Bank-grade safety. Consumer-grade speed.

14 days · No credit card · Cancel any time

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