Financial Services

Bank on delivering your customers a self-service experience worth every penny.


Hassle-Free Self-Service

SmartAction’s easily scalable intelligent virtual agents deliver a best-in-class customer service experience through automation that can handle calls such as locating a branch or ATM, reporting a lost or stolen ATM or credit card, balance inquiries, loan details, credit lines, and more. Your live agents get minutes back to spend on service and support that requires the human touch. 

ROI by the Numbers

Leading financial services providers achieve exceptional results with SmartAction’s conversational AI solution.

CSAT on par with live agents

Operational Cost Savings

Proven Use Cases for Financial Services


Intelligent Front Door + Authentication

Answer every call with a “How can I help you today?” and authenticate customers with a virtual agent.


  • Capture customer intent in natural language
  • Authenticate caller through CRM or system of record integration
  • Route customer to appropriate live agent or contain through self-service

Self-Service Banking

Customers can complete digital banking tasks through voice with ease and speed. They can also receive proactive notifications through SMS regarding fraud alerts and low balances.


  • Report a lost or stolen ATM/credit card and request replacement
  • Locate the branch and/or ATM nearest to your location
  • Check balances on multiple accounts, transfer cash, and institute risk prevention to avert overdraft fees
  • Notify bank of foreign travel to ensure no usage interruption
  • Outbound SMS alerts for fraudulent charges and low balances
  • Schedule, change, or cancel notary appointments
  • Request fee reversals


Enable customers to inquire about their loans through the automated self-service experience.


  • Submit and review status on credit card or loan applications
  • Retrieve credit card or loan balance information
  • Payoff remainder of loan
  • Request title
  • Third party balance verification

Account Management

Whether it’s updating an address, updating a password, enrolling in banking programs, or activating cards, our virtual agents can help customers get the necessary information, fast.


  • Update account information such as addresses and passwords
  • Activate or cancel ATM and credit cards
  • Request credit card limit increases 
  • Change pin
  • Review customized credit card offers
  • File Regulation E disputes & check status

Billing & Payments

Answer common billing inquiries, proactively notify customers about upcoming payments, and negotiate payment installations — all through your AI-powered virtual agent.


  • Billing inquiries
  • One-time payments via credit card or ACH or make payment arrangements
  • Process payments through PCI-compliant protocols
  • Send proactive billing reminders over voice, text or both

More Financial Services Use Cases

Purchase Checks Icon

Purchase checks

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Frequently Asked Questions

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Password Resets

Why Consider Conversational AI for Financial Services?

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Deliver 24/7 Customer Support

Support your customers when they need it most — whenever they reach out to you. Since many financial issues are time-sensitive, AI-powered virtual agents can address concerns immediately and at scale.

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Fast-Track Routine Processes

Customers want immediate access to information and quick resolution — enable them to resolve basic issues and get the answers they need, with AI-powered self-service that is simple and intuitive to use.

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Optimize Your Call Center

Let virtual agents handle the repetitive call types and free-up live agents to handle more complex issues.

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Proactively Engage Customers

Keep customers informed about matters they need to know — fraud alerts, low balance notifcations, and more.

81% of all customers attempt to take care of matters themselves before reaching out to a live representative.

— Harvard Business Review

Intelligent Virtual Agents Powered by SmartAction

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Advanced NLU Technology

Since speech recognition technology is never 100% right, SmartAction tailors its AI to match every response to the closest expected answer for the highest accuracy rate in financial services.

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Dedicated CX Team

Our team of CX experts manage your conversational AI solution in its entirety, from the design, build, to the ongoing operation of your virtual agent.

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Conversational Interface

Our intelligent virtual agents help customers resolve issues conversationally — there’s no need to navigate through complex phone menus or install new technology apps.

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Omnichannel Experience

Our virtual agents engage customers wherever they are, and maintain context of the conversation when switching across voice, chat, and SMS channels.

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Data Science Services

We provide custom reporting with data-driven insights to measure call performance, improve the conversational experience, and ascertain ROI.

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System Integrations

SmartAction integrates with your CRM, payment gateway, and existing contact center infrastructure to provide your customers with end-to-end support.

The SmartAction team truly helps us to engineer the right customer experiences to deliver the desired outcome.


Jennifer Leon

Vice President, Brightree Patient Collections

“With our Virtual Agent, we have been able to provide our clients with cost-effective ways to collect patient-pay receivables without the cost of additional headcount.”

Discover SmartAction Resources for Financial Services

Want to hear more?

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#1 Rated AI-Powered Virtual Agents for Contact Centers

5 Star Reviews

Most contact centers have an over-reliance on live agents for even the most repetitive and rudimentary calls and chats. With cloud-based virtual agents, you can automate conversations your live agents are handling today without sacrificing an ounce of CX.

Request a demo and hear call samples from your industry!

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