AI Banking Copilot

A charge the customer doesn't recognise is answered in a single turn — what it was, who took it, and what they can do about it.

• Answers in plain language first: the merchant and the reason for the charge, before any transaction detail.
• Backs the answer with the record — amount, merchant, date, reference — so the explanation is checkable, not just plausible.
• Ends on the three actions that actually follow: view the bill, download the receipt, or report a problem.
• Leaves the thread open, so the next question continues the conversation instead of restarting it.

The analysis is set up in conversation — which accounts, over what period — and comes back as something to act on rather than read.

• Asks two questions before answering, and no more: which accounts, and which timeframe.
• Leads with the total and its movement against the previous month, then the category split behind it.
• Names the specific things worth knowing — the category that jumped, the saving that was missed.
• Turns each insight into a recommendation with the control attached: set the budget, view the offers, enable the alerts.

Product discovery reasons over the customer's own spending, then proves the recommendation before asking them to apply for anything.

• Ranks by net annual benefit against real spending, not by product tier or marketing order.
• Justifies the match in the customer's own data — where the money goes, how often they fly, what they currently earn on it.
• Checks eligibility in place against income, tenure and credit score, without touching the credit file.
• Ends pre-qualified with the terms stated up front: documents, timing, and the odds of approval.

A reported problem is carried all the way to a raised, referenced case — inside the same conversation that surfaced it.

• Picks the dispute up from the transaction already on screen, with no separate support journey to find.
• Confirms what it understood before acting, and has the customer name the issue type rather than assuming it.
• Files the case itself and shows the summary it submitted, so nothing is raised on the customer's behalf unseen.
• Returns a ticket reference and a route back to it, so the issue outlives the session.