Reimagining Customer Engagement

Emirates NBD
ManuLife Bank
TD Bank

KAI Consumer Banking is the Conversational AI solution for the humanized digital experience customers crave.

Customers are looking for immediate and convenient ways to bank, but still want experiences that are personalized and human. This creates a wonderful opportunity for financial institutions to perfect their customer experience and service, while improving operational efficiencies and reducing cost.

KAI Consumer Banking (KCB), provides digitally-engaging experiences for your customers through a branded virtual assistant. KCB is fluent in banking from day one. This deep financial expertise eliminates the need for costly ramp-up time and training. KCB comes with everything you need to develop, customize, maintain, and grow your virtual assistant.

Watch KAI in Action

Conversational AI used by Millions of consumers
1,000+
Conversational Intents

Servicing, Engaging, Acquiring

 
8
Countries

Canada, China, Indonesia, India, Singapore, South Africa, UAE, USA

 
3
Modalities

Text, touch and voice

4
Channels

Mobile, Web, Messaging, Voice-enabled Devices

4
Languages

English, Cantonese, Bahasa, French, and many more on the way

Profound Interactions to Delight Customers.

Every Conversation is Human-like & Intelligent

KAI can track each conversation’s goals and intents, so your virtual assistants and chatbots do more for your customers. We designed KAI to be intent-based and handle context tracking and switching.

Meeting Business Goals Through Exceptional Customer Journeys

Servicing Customers Digitally

Servicing Customers Digitally, with
a Touch of Human-like Conversation

Increase operational efficiencies and reduce contact center call volumes. Every time KAI provides an engaging digital experience—either by empowering your customer to self-serve or offering them a relevant product or service—is an opportunity to avoid an incoming call.

Some of the ways KAI services your customers

  • Block, replace or increase the limit of a credit card
  • Provide routing number
  • Make a payment
  • Get an account balance
  • Check on status of card or loan application
  • Search for transactions and spending
  • Request reward points balance

Customer Engagements
that Boost Brand Loyalty

When KAI engages the customer, they’re on a mutual mission to meet the consumer’s goals and improve their financial well-being. Understanding what the customer wants helps KAI recommend the products and services they actually need. Not only do you increase brand loyalty by helping customers manage their money, track spending and reach saving goals, you also increase their lifetime value to your organization.

Some of the ways KAI engages your customers

  • Set financial well-being goals and get spending alerts
  • Receive contextual merchant offers and benefits
  • Break down spending patterns
  • Proactively notify when bills are due or balance is low
  • Ask for a financial tip

Grow with Customers
and Increase their Lifetime Value

KAI helps leverage data about your customers’ journeys to make relevant, timely suggestions. KAI’s personalized growth strategy takes the friction out of up-sells and cross-sells, and is far more cost effective than sending general offers.

Some of the ways KAI contextually markets and sells

  • Apply for a new credit card, debit card, or loan
  • Receive personalized marketing and recommendations for products and services
  • Purchase additional products, such as travel insurance
  • Convert basic account to a full savings account
  • Activate a new credit card
  • Increase credit limit
  • Enroll in a promotion or campaign

Handing Off to a Human Agent: KAI Shares Context for a Seamless Transition

Even the smartest systems cannot fulfil every imaginable customer request. KAI is designed to hand-off a conversation to a live agent, and knows how to keep the customer happy along the way.

Kai
  • notificationYour customer is notified that they are being transferred to a live chat agent.
  • contextKAI gives the agent the context he or she needs to get up to speed.
  • positive experienceThe customer gets a seamless, positive experience.
  • KAIWhen the live chat session is finished, KAI can take over the interaction again.

Fast Time to Market with KAI’s
Built-in Banking Knowledge

KAI is fluent in banking from day one. This deep financial expertise eliminates the need for costly ramp up time and training. Plus, you can leverage KAI’s knowledge across multiple channels. Getting to market faster means delighting your customers sooner.

Tap on any of the banking intents to see how KAI helps your customers

Bank Info
Accounts
Transactions
Payments &
Transfers
Financial Well-Being
& Literacy
Market
& Sell

Read about KAI, our AI technologies and APIs – the brain behind KAI Consumer Banking. Meet KAI

Take full control of your future

Platform Tools & Services

Unlike other AI solutions on the market that keep you trapped in a service cycle, KAI comes with everything you need to customize, maintain, and grow your conversational experiences. With KAI’s platform console you have a full suite of tools to measure engagement and continually train your virtual assistant to respond to ever-changing business goals. KAI is designed to help you easily add new features and services, channels, and markets.

Business Dashboard

Business Dashboard

Measure engagement, usage, system coverage, transfers to live agents, and more. When you have a direct line to the voice of a customer, you need a platform that can uncover new insights, recommend ways to optimize, and give you the tools to do it.

AI Training Analysis

Personalized AI Training & Analysis

Analyze the performance of the system. Train the AI models to increase the accuracy of existing conversations or add new ones. KAI’s machine learning paradigm puts you in the driver’s seat to teach KAI how to do more for your customers based on actual usage data and insights.

Conversation Manager

Conversation Management

Create, read, update, and delete the content used to build and design conversations. Manage content in one console and use the tools to segment and personalize conversations based on customer cohorts and market segments, as well as channels.

Ensure your Platinum customers don’t get college account conversations, and your Alexa conversations are designed for voice interactions and mobile conversations, and can include graphics and emojis. Plus, you can run A/B tests and measure their impact directly from the Platform Console.

Ensuring Smooth Integration with Data and Infrastructure

KAI understands how to speak the language of finance, and it’s also designed to play well with your back-end and front-end data, channels, and infrastructure. It’s been tested and proven to integrate and adhere to many leading banks’ rigorous and challenging IT and architecture standards and technologies.

In banking, compliance and security are mission-critical. KAI has that covered with authentication and authorization mechanisms, anonymized token integration, and 24/7 built-in monitoring. Plus, backend communications are encrypted to protect your customers’ personally identifiable information (PII) and meet local regulations.

Smooth Integration with Data and Infrastructure
Full Control
Over the UX

With our Conversational API, you can integrate KAI into your customer-facing channels and take control over the design of your consumer user experience in plain-text, rich media, and voice.

  • Mobile
    iOS and Android
  • Websites
    Public and Authenticated
  • Messaging Platforms
    Facebook Messenger, SMS, WhatsApp and more
  • Voice-enabled Devices
    Amazon Alexa, Google Home
Make the
Conversation Personal

With our Enterprise API, you can securely authenticate customers and safely use their data to create meaningful engagements. With this abstract API, you specify what services you want to make available to KAI, including:

  • Authentication/Authorization
  • Customer Data
  • Accounts
  • Transactions
  • Transfers
  • Payments
  • ATM & Branch locations
Go Beyond Banking – Do Sales, Marketing & More

In addition to core banking, you can use the Enterprise API to enhance the conversation and leverage other services already available. Banks typically integrate other services, such as:

  • Banking and Transaction Analytics Engines
  • Offers and Commerce Analytics Engines
  • Contextual Engines (which are often location-based)
  • CRM and Marketing Engines
Start the
Conversation

With our Notification API, you can create proactive customer conversations triggered by marketing engines and events in a customer’s account or their usage patterns.

Ensure the
Handoff is Seamless

With the Live Agent API, you can integrate KAI into your live chat system for a seamless handoff to customer care teams.

Extract
the Data

With the Reporting API, you can export KAI’s data to filter, sort, and analyze it in your own reports beyond the KAI Business Dashboard.

The Experience Modern Customers Want is Here
See How Your Organization Can Grow with KAI