Financial Services

When a transaction monitoring alert opens a case, the agent pulls account history, transaction patterns, customer risk profile and contextual flags from the bank's core systems, compares the activity with known laundering typologies and assembles an analyst ready case summary with citations back to each source record. Amalgamated is the design partner and the first bank running it in production.

Smart Cash predicts a customer's cash flow and moves their money between accounts at the bank to maximise yield and manage that cash flow. The chief financial officer told the third quarter earnings call that a targeted pilot had started in recent weeks, on the same call where the chief executive said the bank will not let outside agents operate inside customer accounts.

An AI financial advisor built into M1's investing platform that gives non discretionary advice on investing, cash and borrowing accounts and can read linked outside accounts such as 401(k)s. It answers questions and recommends actions, and the client decides whether to act.

A conversational and transactional banking assistant inside the app of Simple, Attijariwafa Bank's neobank, addressed by text or voice in Moroccan Darija, Arabic, French, English and two more languages. It answers product questions, guides navigation, returns account information and carries out routine operations such as transfers and bill payments, with the client validating each one.

A digital employee with its own corporate login and employee number repairs cross border payments that fail straight through processing, reading each field for meaning and checking syntax against ISO 20022 before asking whether the payment makes sense as a movement of value. Human managers review its drafts and keep the release decision.

Ada, named after Ada Lovelace, is the Corporate Bank's agentic framework, which the bank says has moved from experimentation to industrial scale with agents reused across divisions. Using knowledge graphs, its German lending business for smaller companies onboarded a new client and issued a loan in one day, against about a month before.

Proprietary AI that digitises, classifies and checks trade finance documents, then reasons over the conditions a transaction must meet using ICC rules and trade specialist knowledge. It runs an exceptions based workflow in Hong Kong, the UAE and the UK, with specialists keeping the judgement calls on edge cases and higher value transactions.

Autonomous agents open and carry the first phase of preventive collections and of renegotiating debts overdue by one to sixty days, contacting the member directly instead of queueing a human operator. About one third of those contacts then move on to a formal renegotiation handled by staff.

A financial planning agent on Altruist's Hazel platform that builds comprehensive plans in minutes across retirement, investment optimisation, cash flow, estate planning, tax strategy and insurance, from client documents, meetings and connected sources. Financial computations are handed to dedicated calculation programs rather than generated by the model.

Agentic AI platform handling business-account onboarding and transaction-processing workflows, including document analysis, verification checks and case summaries, for Ruya Bank employees.

A generative-AI virtual assistant for corporate and SME customers that became fully agentic in Singapore, letting customers go beyond Q&A to complete simple banking tasks in a single chat, such as checking whether a payment was completed, whether money reached a named recipient, or how much was paid in fees.

Conversational generative AI assistant embedded in the Itaú app that lets clients ask questions in natural language, get personalized financial insights from their account statement, and execute transactions such as Pix payments by voice command.

HSBC uses Google's Gemini Enterprise platform to build AI agents supporting wealth management.

Gives relationship managers and banking assistants contextual, in-workflow guidance on the NiCE CXone platform during customer interactions, including interaction summaries, contact history and sentiment identification, to support more than 90 million customers.

A central AI orchestration agent, built with Microsoft Copilot Studio and Foundry, triages more than two million retail customer service conversations a month across voice and messaging and routes each one to automated self-service, a controlled process for regulated matters, or a human specialist.

AI chatbot providing 24/7 support on services, accounts, transactions and loan products.

Alipay AI agent 'Ah Bao' handles everyday tasks (booking rides, ordering coffee) and executes wealth-management actions like buying mutual funds with user authorization; 'Maxiaocai' provides financial advisory.

AI-powered monitoring across more than 50 active AI use cases at the bank, credited with a reduction in fraud losses; part of the bank's wider generative-AI transformation of business operations.

Long-running machine learning stack (LSTM plus gradient boosting) that scores every card transaction worldwide in milliseconds, monitoring more than $1.2 trillion in transaction value a year within a ~2 ms latency budget.

Groupwide platform letting non-engineer staff build and run AI agents for frontline banking tasks under bank-grade governance, access controls and audit logging.