Banking
The AI agent your customers bank with.
Conversational banking with full execution, the way you define it. Card management, transfers, limit changes, account queries - resolved in one sentence, logged in full, compliant from day one.
Operations
What AI agents handle for banks
Account self-service, transactions, cross-sell, and support - handled in the customer's language, executed within your rules, logged in full.
Account self-service
Block a card. Change a limit. Update an address. One sentence. No menus.
Every action is executed by Decision Engine, not interpreted by a language model. The LLM understands the customer. Decision Engine runs the bank's rules. They never overlap.
I think I left my card at the restaurant. Block it please.
I can do that now. To confirm your identity - what's your date of birth?
14th April 1989.
Verified. Visa •••• 4471 blocked. Would you like a replacement? 3–5 working days to your registered address.
Yes please.
Replacement ordered. Confirmation sent to your email.
Business case
Why banks choose Zowie
From question to done.
Most banking AI answers questions. Zowie executes transactions - card blocks, limit changes, transfers - completed in the conversation, within your rules.
Compliant by design.
Every condition, every rule, every action - logged. When the regulator asks, the answer is already there. Compliance isn't bolted on - it's built in.
No vendor lock-in.
Bring your own model. Run in your own cloud. Switch providers without rebuilding. The AI landscape shifts - your stack doesn't have to.
Decision Engine
Decisions, not interpretations. Built for banking.
Most platforms run business logic through a language model, then add guardrails when it goes wrong. Zowie separates them entirely. The LLM handles the conversation. Decision Engine executes your rules.
Other platforms
Most platforms blur the language model and your business rules. When the model drifts, so do the decisions - and the regulatory exposure.
Zowie
A separate engine runs your rules. The language model talks to your customer. Every action, every limit, every decision is determined by your policies - not by what the model decides that day.
Compliance
Compliance is part of the architecture.
SOC 2 certified, GDPR compliant, DORA ready, aligned with the EU AI Act. Every conversation is logged, every decision is traceable, every audit trail is complete.
Ready to see it working for your bank?
Forty-five minutes with our team. Your processes, your compliance requirements, your infrastructure constraints.