The Agent answers first-level questions (accounts, cards, loans, fees, rewards), provides clear guidance, and routes complex requests to the right advisor.

Benefit: Decongested lines & faster resolution.

For actions that require checks, the Agent performs secure verification (e.g., OTP/one-time link) and records consent where needed before proceeding.

Benefit: Reduced handling time with enhanced security.

Books/changes meetings with personal bankers or specialized teams (mortgage, business, investments) via Calendar integration.

Benefit: Organized meeting pipeline & fewer no-shows.

Guides customers through card activation, limit changes, and in case of loss/theft immediately routes to a secure blocking process.

Benefit: Immediate protection & fewer escalations.

Proactively informs about suspicious activity, collects required dispute details, and guides customers through next steps.

Benefit: Faster incident handling & reduced losses.

Contacts customers politely about past-due balances, suggests payment options, and sends reminders before due dates.

Benefit: Lower collections cost.

Walks new customers through account opening and required documents, provides application status updates, and explains next steps.

Benefit: Fewer drop-offs & faster customer activation.

Executes personalized outreach (e.g., product updates, card renewals) only with explicit consent and easy opt-out.

Benefit: Higher conversion without harming customer trust.