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ABC Tech Agentic Banking

AI agents that execute inside the core of the bank

Freeze my debit card, I can't find it
Finding your card…
DebitFrozen
•••• 2291
Ana Horvat
09/29
Confirming with Face ID
Done. Your debit card is frozen. Standing orders keep running.
Send Marko 50 € for dinner
Checking the recipient…
SEPA InstantArrives in seconds
0,00 €
MN
Marko Novak
HR12 2340 •••• 4521
Name matches · Verification of Payee
Sending with Face ID…
50,00 €Arrived at 09:16:04
Sent. Marko has it already.
Put 2 000 € away for a year
Preparing your documents…
Pre-contract information
Depositor information sheet
General terms and conditions
Interest rates
Term deposit · 12 months2,25 % fixed
2 000,00 €
Interest at maturity45,00 €Matures27.09.2027
Signed with Face ID · 27.09.2026
Contract signed. Your copy is in your inbox.
Help me save 500 € for Paris by July
Looking at your salary and bills…
Plan · 3 stepsParis · July 2027
Create goal “Paris”, 500,00 €
Move 50,00 € on every 10th, after salary
First transfer on 10.10.2026
0 of 500 €Ready by July 2027
Your Paris goal is set. First 50 € moves on 10.10.2026.
What can I spend today?
Checking all accounts…
Available on Personal 0,00 €
Personal12 474,13 €
Savings3 840,00 €
Reserved138,00 €
That's after pending card payments.
How much did I spend in August?
Reading 64 transactions…
August spending 0,00 € −8 % vs July
Restaurants412,30 €Shopping386,00 €Transport210,40 €
481,40 € left of your 1 730 € budget.

Where customer service turns into execution

How much do I have across all accounts?
Total across your 3 accounts.
All accountsAvailable
15 944,43 €
Personal
SI56 1910 0000 0123
12 474,13 €
Savings
SI56 1910 0000 0456
3 840,00 €
Shared
SI56 1910 0000 0789
−369,70 €
As of 27.09.2026, 09:14
AI Assistant

Every question answered, at any hour

Balances, transactions, fees and limits, answered from the bank's live record the moment the customer asks.

Actions completed under the bank's rules

Transfers sent, deposits opened, cards blocked: executed in the core, with the customer's confirmation.

Open 12 months with 2 000 €
Contract signed, deposit opened
2 000,00 € · 2,25 % · matures 27.09.2027
Remind me before maturitySee all deposits
AI Assistant

The branch, freed for work that needs people

The repetitive share of daily volume, from statements to card blocks and status questions, resolved before it reaches a person.

Specialist agents for the work banks run on

</>get_accounts
Personal · 12 474,13 €
Savings · 3 840,00 €
</>prepare_sepa_instant
Verification of Payee · Name matches
Confirm with Face ID
</>get_deposit_rates
Pre-contract information
Sign with Face ID
</>freeze_card
Debit ·· 2291 · Frozen
Standing orders keep running
</>get_transactions
August · 1 248,60 €
−8 % vs July
</>get_loan
Next instalment · 286,40 €
Due 15.10.2026
</>search_knowledge
Account fee · 2,50 €
IBAN confirmation · PDF

Production-grade, under the bank's control

Everything the bank needs to take agents into production and govern them there, from scope and audit to where the models run.

Agent catalogue

A modular catalogue: the bank switches agents on in its own order and adds the rest when it is ready.

MCP

The open standard for connecting AI to systems. Agents reach the core through it and see only the actions the bank exposes.

Guardrails

Scope set per agent, so what each agent may do is a decision the bank makes once.

Customer confirmation

SCA or biometrics on every execution, before anything reaches the core.

Verification diary

Every action, the customer and the rule behind it, written to the same audit trail as the rest of the core.

Banking skills

Tested banking actions built for this domain and reused by every agent that needs them.

Native SDK

iOS and Android, embedded into any mobile banking app, whoever built it.

Model choice

Open-weight models on the bank's own infrastructure, or the bank's own provider key.

Questions banks ask

What is agentic banking?

AI agents that complete banking tasks inside the bank's own app. Where an assistant answers, an agent prepares the payment, opens the deposit or blocks the card, then hands the customer the confirmation step.

How is this different from a chatbot?

A chatbot answers from a script or a knowledge base. An agent reads the customer's own data from the core and executes the action once the customer confirms.

Is this a RAG bot?

No. Retrieval is one part of it: answers come from the bank's live record, and actions run through tested banking skills in the core.

How is this different from RPA?

RPA replays fixed clicks on screens. Agents understand the request, work through the actions the bank exposes over MCP and stop for confirmation before anything executes.

What is MCP, and why does it matter for a bank?

The open standard for connecting AI to systems. Agents reach the core through it and receive only the actions the bank chooses to expose.

How do you prevent wrong actions?

Scope is set per agent, every execution requires SCA or biometrics, transfers pass Verification of Payee and every step is written to the verification diary.

Where does it run, and where does the data go?

On the bank's own infrastructure or in its cloud. With open-weight models on the bank's infrastructure, no third party sits in the chain and customer data stays inside the bank's environment.

Do we need your core or your digital banking?

No. The SDK embeds into any mobile banking app, and the adapter connects to any core.

Can we start with a few agents?

Yes. The catalogue is modular: the bank switches agents on in the order it chooses and adds the rest later.

One platform, every product

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