Managed Agents at Previously $0.06 $0.03/minManaged Agents are Previously $0.06 $0.03/min.

ServiceNow#1 on EVA-Bench

Artificial Analysis#1 on Speech Agent Arena

AI in banking customer service that answers account questions by phone.

Explain pending deposits, lock lost cards, and schedule loan payments.

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Trusted by leading teams

ServiceNowArtificial Analysis

Ranked #1

on EVA-Bench and Speech Agent Arena

ServiceNow
Indeed
SpeakX
Supernova
1Point1
ELSA

Resolve the account calls that fill your queue

Each call ends with a defined outcome, like a deposit explained, a lost card locked, a loan payment scheduled, or a banker callback booked.

The agent verifies the customer, then reads the deposit amount and the date it posts from your core system.

AI in banking customer service, one account call at a time

What is AI in banking customer service?

AI in banking customer service, on the phone, means a voice agent that answers the calls filling your queue. This one explains pending deposits, locks lost cards, schedules loan payments and books callbacks from a banker, all through tools you configure.

  • Check the customer
  • Read account status
  • Lock the card
  • Order a replacement card
  • Schedule a loan payment

What happens when a customer calls about a lost card?

The agent runs your customer check, then locks the card during the call and offers a replacement to the address on file. It never asks for a PIN, password, one-time code or full card number at any point.

I lost my debit card. Dolores Quinn, account ending 8802.

verify_customerMatch: Dolores Quinn

lock_cardDebit card ending 3391 locked

What makes it agentic AI for customer service in banking?

It acts as well as answers, inside limits. It reads account status and schedules a loan payment only after the customer confirms the amount, the account and the date. It can do nothing beyond the tools you give it.

  • Pending deposit, Gordon Hale3:12
  • Lost debit card, Dolores Quinn2:04
  • Equipment loan payment1:38

How far does AI in customer service for banking go?

As far as the tools you give it. Reported fraud transfers to your fraud team. Anything else, such as a deposit that can't be found or a business loan question, becomes a callback booked with a banker.

Resolved on the call

Did the agent resolve the customer's request before the call ended, without a transfer?

What comes off the queue first

Voice AI applications in banking customer service work on calls with a clear end, like pending deposits, lost cards and loan due dates, as long as the check comes first and fraud reaches a person.

A pending deposit gets a date

After the customer check, the agent reads the amount and the day it posts from your core system. A customer who hears Thursday can stop calling.

Lost cards are locked on the call

The customer reports it and the card gets locked during the same conversation, with no wait for a menu option or a free rep.

Loan payments are read back first

Amount, account and date all get confirmed aloud before anything is scheduled, from the account the customer picks.

The check runs before any detail

Your customer check comes first on every call that touches an account. The questions are the ones you define, and your systems confirm the match.

Bankers get the call with the reason attached

When a deposit can't be found, the agent books a callback with the amount, the day and the time window, so the banker doesn't start from zero.

Fraud goes straight to your team

The agent doesn't work a reported fraud or an unrecognized charge. It checks the customer and transfers to your fraud team, who pick up with that done.

Follows a customer reading account digits aloud

Bank callers read numbers and dollar amounts, and some are worried. Cartesia's speech models stay with them through both.

  • $0.03per minute
  • #1on Speech Agent Arena and EVA-Bench
  • 24/7answers every call, at any hour

Waits while they find the statement

Customers stop to look for the last four digits or a deposit date. The agent holds its turn and picks up when they do.

Bound to your tools and your LLM

The model is your call. Customer check, account status, card lock, replacement order, loan scheduling and banker callbacks are the only actions open to it.

A steady voice for a lost card

Someone who just lost a wallet needs a calm, plain answer. Audition library voices with your bank's greeting and keep the steadiest.

IVR menu, call center or voice agent

Buyers weighing AI customer service tools in banking are mostly comparing them with the menu callers press through today and the team behind it.

Voice agentIVR menuCall center team
How a caller startsSays what's wrong in their own wordsPresses through optionsWaits for the next rep
Explains a pending depositReads amount and post date after the checkOften reads a balance onlyYes
Locks a lost cardOn the call, after the checkSometimes, often routes to a repYes
Busy Monday morningCalls don't wait for a free seatNo wait, if the menu has the answerCallers can wait on hold
Works an unusual problemBooks a banker callbackRoutes to a repYes, a banker can dig into it
How you pay$0.03 per minute with LLM usage billed apartUsually a platform contractUsually seats and staffing costs

See which calls resolved the customer's request

Every call is recorded and transcribed. See which calls explained a deposit, locked a lost card, or scheduled a loan payment.

Launch a banking voice agent in three steps

Start building

  1. Clone the Bank service line

    Bring the agent into your account with your bank's name and the verification questions you've defined.

  2. Connect core, card and loan systems

    Link core banking, card and loan systems through tools you configure, and point the service line at the agent.

  3. Run a lost card and a fraud report

    Call with a lost card, then report a charge you don't recognize. Confirm the lock in one transcript and the transfer in the other before going live.

Enterprise-grade security

  • HIPAA compliant badge

    HIPAA compliant

  • SOC 2 Type 2 badge

    SOC 2 Type 2

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    GDPR

Banking FAQs

What is AI in banking customer service?

Voice agents that answer a bank's customer service calls. This one explains pending deposits, locks lost cards and orders replacements, schedules loan payments, and books callbacks with a banker. You decide which systems it can use and what it's allowed to do.

Do AI agents for banks work with our core banking system?

Yes. The agent connects to your core banking, card, and loan systems through tools you configure.

Can conversational AI for banks lock a lost card?

Yes. The agent locks the card on the call and orders a replacement to the address on file. If the customer reports fraud, it transfers them to your fraud team.

Does the agent verify customers before sharing account details?

Yes. The agent asks the verification questions you define and shares account details only after your systems confirm the match. It never asks for a PIN, password, or one-time code.

Can the agent take loan payments?

Yes. The agent schedules the payment from the account the customer picks, once they confirm the amount and the date.

Can an agent hand a caller over to a person?

Yes. The agent can transfer calls to your team, and you control exactly when it does.

How should we measure a banking voice agent?

Evaluate the agent against your key success criteria. For example, you can measure what percentage of calls the agent resolves without a transfer, or how many lost cards it locks on the first call.

How much does a banking voice agent cost?

A banking voice agent is $0.03 per minute of call time, so short calls like a card lock cost less than a long account conversation. LLM usage is billed separately. A Cartesia phone number adds $0.014 per minute, or nothing if you bring your own Twilio account or SIP trunk. The free plan includes $1 of agent calls a month, so you can test the agent before you pay. See pricing.

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