Retail banking customer AI agent
A retail banking customer AI agent is a pre-trained virtual assistant that handles everyday banking requests — balance enquiries, fund transfers, statement downloads, card blocking, beneficiary setup and branch locators — inside your app, website, WhatsApp or IVR. It authenticates the customer, calls your core banking APIs and completes the task in the conversation instead of routing to a call centre, resolving the majority of tier-1 volume without a human agent.
70%
of tier-1 queries deflected from the contact centre
24/7
servicing across app, web, WhatsApp and IVR
3x
faster resolution on card and transfer requests
The problem today
- Call centres are saturated with repetitive balance, statement and card-status queries that never needed a human.
- Customers abandon digital journeys such as account opening or beneficiary addition when they hit a form they don't understand.
- Service quality drops outside business hours, while fraud-sensitive requests like card blocking cannot wait until morning.
Who it is for
Banking teams running retail banking who want the customer journey automated end-to-end.
The agent ships pre-trained on banking workflows, then is grounded on your own products, policies and systems — deployed on web, app, WhatsApp and voice with full audit logging and human handover.
How it works
Connect
We integrate with core banking, card management and CRM APIs through a secured middleware layer.
Train
The agent is grounded on your product catalogue, fees, eligibility rules and regulatory language.
Authenticate
Step-up authentication (OTP, biometrics, session token) gates any transactional intent.
Deploy
Go live on app, web, WhatsApp and IVR with full audit logging and human handover.
What the agent does
Account servicing
Balance, mini-statement, transaction history, cheque status and standing instruction updates in-chat.
Payments & transfers
Add a beneficiary, transfer funds, schedule payments and track failed transactions end-to-end.
Card control
Block or replace a card, raise a dispute, set limits and activate a new card instantly.
Product discovery
Explains savings, student and deposit products with eligibility checks and guided application.
Frequently asked questions
Can the agent perform real transactions?
Yes. Once integrated with core banking and gated by step-up authentication, it can transfer funds, block cards and register beneficiaries with a full audit trail.
How is customer data protected?
Data stays inside your environment or a private deployment. We support on-premise and offline LLM options, encryption in transit and at rest, and role-based access control.
Which languages are supported?
The agent is multilingual out of the box and can be tuned to your regional languages and banking terminology.
How long does deployment take?
A pre-trained retail banking agent typically goes live in 4–6 weeks including core banking integration and UAT.
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