Balance, card and branch enquiries
AI-RunVerifiable, repetitive, regulated. AI agents answer within the compliance script; any dispute or fraud flag goes to a person immediately.
Collections and arrears
AI-AssistedA person negotiates; AI supplies the account history, the permitted offers and the record of what was agreed.
Product lead generation and appointment setting
AI-AssistedAI qualifies and books, people convert. The pattern that produced five years of bank results, now with a faster front end.
Public information and emergency messaging
AI-RunVolume spikes without warning. AI answers the same question a thousand times; people handle the ones that are not the same question.
Utility outage and billing
AI-RunStatus and billing lookups at scale; handover for hardship, disputes and vulnerable customers.
Complaints and escalations
Human-LedThe relationship with a regulator or a minister is not delegated to a model.