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Solution

Universal AI Banking Assistant

Transform everyday banking into a natural conversation. Customers can type or speak an intention, while the assistant understands the request, prepares the operation and presents it for secure authorization.

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The AI Assistant in the Synergy banking platform, on a laptop and on a phone

Conversational banking

From intention to banking action

Instead of navigating menus and completing banking forms, customers simply type or speak what they want to do. The assistant understands their intent and guides the operation through to secure authorization.

“Transfer 500 EUR to my savings account”

  1. 01

    Understand

    Recognize the customer’s intent

  2. 02

    Retrieve

    Gets the required banking data

  3. 03

    Prepare

    Creates the requested operation

  4. 04

    Authorize

    Customer reviews and authorizes the operation

Banking capabilities

One conversation. Everyday banking.

The Universal AI Banking Assistant can handle a wide range of banking operations, giving customers fast and easy access to the services they need.

  • Payments & Transfers

    • Domestic & international transfers
    • Own-account transfers
    • Instant & P2P payments
    • Standing orders
    • Utility payments
    • Currency exchange
    • Scheduled payments

  • Accounts & Cards

    • Account balances
    • Recent transactions
    • Account details
    • Deposits
    • Card information
    • Freeze & unfreeze cards
    • Block lost or stolen cards

  • Banking Operations

    • Beneficiary management
    • Standing orders
    • Payment templates
    • Pending documents
    • Transaction authorization
    • Request & transaction status

  • Everyday Services

    • Utility bills
    • Utility providers
    • Motorway vignettes
    • Vehicle management
    • Parking
    • MTPL renewal

  • Branch & ATM Assistance

    • Nearest ATM
    • Cash deposit ATM
    • Branches
    • Opening hours
    • Available services

  • Banking Guidance

    • Banking products
    • Available services
    • Banking procedures
    • Transaction status
    • Digital banking functionality

Built for real banking

Ask. Understand. Act.

See how simple everyday banking becomes with the Universal AI Banking Assistant.

Send money, pay bills or transfer between your accounts and external accounts.

Get branch locations, opening hours and contact details.

Manage your cards, limits and security settings.

Beyond the chatbot

More than answers. Banking actions.

Unlike conventional chatbots, the Universal AI Banking Assistant understands customer intent and executes banking operations. It brings information, guidance and transactions into one conversational experience—making everyday banking faster, simpler and more intuitive.

Answers questions

Conversational Chatbot

  • Answers questions
  • Predefined responses
  • FAQ & information
  • Navigation assistance
  • Limited interaction

Understands and acts

Universal AI Banking Assistant

  • Understands customer intent
  • Retrieves banking information
  • Prepares banking operations
  • Executes platform workflows
  • Presents transactions for authorization

Intelligent guidance

Simple requests handled. Complex journeys connected.

When a request requires a more complex workflow, such as applying for a loan or opening a new account, the assistant redirects the customer to the appropriate digital process within the platform.

Secure by design

Convenience without compromising control

The assistant follows the same enterprise-grade security standards as the Enterprise Omnichannel Banking Platform, with customer authentication, explicit authorization, transaction security and regulatory compliance built into every sensitive operation.

  1. Customer request

    Type or speak your intention

  2. AI Assistant

    Understands intent and prepares the operation

  3. Operation prepared

    Review details before execution

  4. Customer authorization

    Authenticate and confirm

  5. Execution

    Operation securely completed

Connected experience

Conversational banking across web and mobile

Embedded within the Enterprise Omnichannel Banking Platform, the assistant delivers a consistent conversational experience across digital channels.

  • Web
  • iOS
  • Android
  • HarmonyOS

Business value

AI banking that benefits customers and institutions

  • Simplify Banking

    Natural language interactionsLess customer effort

  • Increase Engagement

    Higher digital adoptionImproved customer experience

  • Improve Efficiency

    Faster transaction completionIntelligent self-service

  • Drive Innovation

    Expanded digital capabilitiesAI-driven differentiation

Ready to make banking conversational?

Bring intelligent, secure and actionable AI into your digital banking experience.

Talk to our team