# AI Agents

Customized and branded to engage your market, KAI Consumer Banking is the banking AI Agent for retail banking that creates a friction-free, personalized customer experience by combining AI and human-like assistance.

KAI Consumer Banking comes ready with everything you need to humanize, maintain, and develop your AI Agent and focus on the specific banking needs of your unique market.

[Request a Demo](/content/contact-us/index.html)

### Your Best Virtual Banker

**Create a unique personality that aligns with your financial institution’s brand and delivers the expertise of your best bankers.**

KAI Consumer Banking acts as an invaluable extension of your banking team.

It is pre-integrated with your digital banking solutions to provide accurate, up-to-the-minute financial data and, when needed, seamlessly transition conversations to human team members through live chat technology.

#### Pre-Packaged Banking Knowledge

Deep financial expertise eliminates the need for costly ramp-up time and training.

#### Integrated Digital Experience

When implemented with your digital banking provider, the assistant delivers accurate and up-to-date financial information across multiple channels.

#### Seamless Live Agent Handoff

For any query the AI Agent can’t handle, it passes it off to a live agent and then picks up the chat thread once that interaction is complete.

#### Omnichannel Service

Websites, mobile apps, and even email, phone, and physical personifications serve as conduits for introducing the AI Agent to customers and members.

#### Multilingual Solutions & End-to-End Spanish Support

KAI is deployed in 16 countries, supporting banking consumers in a wide variety of languages. For financial institutions that serve Spanish-speaking markets, KAI comes complete with a full-service conversational Spanish solution.

### What Can KAI Consumer Banking Do?

Built on the [KAI platform](/content/products/kai-platform/index.html), KAI Consumer Banking equips you to deliver humanizing digital experiences that support customers’ financial well-being and set your consumer banking business up for success.

KAI Consumer Banking covers the entire digital financial journey — from simple support questions to long-term strategic planning. Below are a few ways the banking AI Agent helps your financial institution serve customers, increase engagement, and drive growth.

### Serve Customers

- Greet customers and members with intelligent, relevant messages delivered by your digital brand ambassador
- Block, replace or increase the limit of a credit card
- Check on the status of a card or loan application
- Search for transactions and spending
- Augment and support contact center inquiries

### Increase Engagement

- Set financial well-being goals and get spending alerts
- Break down spending patterns
- Notify when bills are due, or a balance is low
- Pass along contextual merchant offers and rewards benefits
- Deliver targeted, visual experiences based on usage history

### Drive Growth

- Deliver your brand in every interaction via a consistent, curated experience
- Upgrade a basic savings account to a higher-yield account
- Apply for a new credit card, debit card, or loan
- Purchase additional products, such as travel insurance
- Enroll in a promotion or campaign

## KAI Consumer Banking with KAI Answers

Financial Institutions are empowered to leverage the power of LLMs, like [KAI-GPT,](/content/products/kai-gpt/index.html) to enable their consumer-facing virtual assistant to produce generative replies based on any internal and/or public-facing document ingested via the KAI Portal.

### Key Benefits

- Decrease Call Volumes: Improve containment rates and increase cost savings.
- Extend On-Demand AI Agent Coverage: Deliver improved customer experiences with responses based on time-sensitive, localized, rapidly changing bank-specific content.
- Minimize Administration Costs: Simplify system maintenance with no model retraining, intent development, or advanced skills needed.

### Differentiated Customer Experience

- Proven containment (~over 200 intents OOTB)
- Expanded coverage powered by generative AI
- Rich conversational experiences powered by integrations (account, transactions, wellness)
- Maximized user engagement & discoverability infused with generative AI (autocomplete, conversational follow ups)
- Personalized UX (conversation memory, shortcuts, conversation starters)

### Enterprise-grade Administration Tools

- Usage analytics & insights
- Content Management
- Publishing flows & audit trails
- Document Management
- Web crawler
- Coverage discovery service

### Robust Accelerators to Go Live

- Pre-integrated with user financial data
- UI SDK optimized for web & mobile CX
- Live chat adapters & API (Glia, LinkLive)
- Omnichannel support via CAPI
- Multi-language support Spanish