Hello, everyone. Welcome to our webinar series where we talk about how agent AI is redefining banking today. We’ll have, some really exciting demos, and we’re excited to, share more with you and how AI is completely redefining banking. And and this is our second, you know, webinar part of our webinar series. We just last week, had a customer talking about their, experience in agentic AI launching interface AI. But today, we thought about, covering a a much broader topic on how agent AI is gonna redefine banking in a substantial way. And we have some really pretty cool demos on how, at Interface AI, agent AI is adding a lot of value to our customers, and, we plan to show that. So here’s kind of a quick agenda we’re gonna cover today. Real quick start off talking about Interface AI and, latest advancements in AI and how fast they are coming. And then we also, briefly touch upon some of the challenges and opportunities within community banking as an industry. And, we want to, kind of talk about how AI is mostly gonna address all of the challenges in our industry in a significant way. They’re pretty transformational. And we’re going to some of the solutions and demonstration, which is kind of a pretty cool part. We’ll get there very fast. Alright. So let’s get started. So, a quick introduction here about Interface AI. We are the longest standing AI vendor in the industry. We’re doing this for ten years. Right? So, we are based here in California. Most of the leadership, headquarter. And we are about two hundred people strong. We’re also at CUSO. We have won many industry of collates, you know, including recognition from Gartner, CUNA Allied as the best AI vendor out there. We also won many awards in American Banker recently as a best AI, award. You know, real quick about myself. I go by Sri. You know, I come from a Credit Union family myself, and, my father started at Credit Union, scaled up to a couple of billion and helped him through the technology strategy during my college years. And I also went on to pursue, my career at Microsoft at AI and, you know, brought those experiences together, both my credit union background and my, career at Microsoft AI to build interface AI. So and Bruce is my cofounder. You know, he, comes from, pretty significant experience of building very successful SaaS companies in the fact in the past, scaling up to fifty million plus revenues. We got together a star interface. Yeah. Our mission of the company is to empower every financial institution like yourself to, scale efficiently, help your, members and customer achieve financial wellness. Close to two hundred people in the organization wake up excited about pursuing and progressing towards that mission. So, you know, we got a great team. And our vision at the company is to help you leapfrog from digital to intelligent banking. And, you know, that’s kind of the most of our products are aligned towards that vision and mission. We also recently gained about thirty million dollars, making us the most valuable AI company in banking. And we have several suite of solutions on the right side, VoiceAI, ChatAI, EmployeeAI. We’re gonna see demo of all of them, all agentic. And then, also, we’re gonna see demos of our upcoming products, which are in alpha, which has potential to replace your entire online mobile banking and entire contact center system. Chapter The Rapid Advancements in AI So it’s exciting times in AI today. Right? So, that’s a quick introduction there for you. And Advanced mentioned AI is pretty, pretty outstanding, what’s happening there. These are some of the quotes from, some of the best brains in AI out there. Ilya was one of the cofounders at OpenAI and the original brain behind, you know, a lot of breakthroughs in AI where it is today. He recently said, you may not you may not take interest in AI, but AI will take interest in you. You know, the reason is in in about a year from now, we are going to have an AI that pretty much, is as good as your a a a new graduate, you know, in math and coding skills. Right? You know, mathematics and coding is a much more defined, well understood problem space than a human language. So you’re going to start seeing, you know, in a year from now, graduate level mathematics and coding done by AI, pretty rapidly. And this AI is self learning. Right? So and because it is learning from its own mistake, in there’s a prediction in two to three years, we’re gonna have artificial general intelligence, which is AI is better than the best human being in better than the best expert in a field. And in about five to ten years, there’s a prediction that we’re gonna reach artificial superintelligence, which is basically AI is gonna be better than some of all human beings. Right? So this is happening pretty rapid pace. You know, Eric, who is the former CEO of Google, kind of talked about how human level capability is, is kind of measured in years, not decades, but the AI is accelerating much faster than humans can evolve. So, he talked about how the government policies needs to really adapt faster, for this pace of innovation that we have never seen before. You know, and and and Ilya here also talked about how for humanity, this is probably one of the greatest challenges we would encounter. And if we pursue or and and through that challenge, you know, it it will be pretty rewarding. Right? So because any powerful technology has good and bad. We need to evolve our policies in the government to ensure the bad is the downside is protected and we benefit from the upside. So there’s there’s massive progress going on. Chapter Challenges Facing Community Banking And, you know, why does this all is important to us? Right? So as a community banking industry, we serve hundreds of millions of consumers. And today, both our consumers have certain challenges, from the services we offer, as well as as a community banking industry, we have certain challenges. I foresee with this kind of advancements in AI, we can practically solve most of our problems. That’s the power of this technology that is coming. And I’m excited to not just talk about this today, but show you demos, in in in a few minutes. You know, before that, I wanna get grounded on some of the top challenges our consumers face today, as in your members and customers today. One of the top things we have seen is there’s a increased financial stress and fragmented data, higher expectation on, digital experience, right, is is is what is in the top of the mind for your consumers. If you look at some of the stats, you know, close to, you know, most of the consumers have five to seven different financial services relationship from, you know, different, accounts and mortgages or auto loans with different financial institution. You have bank accounts from different fintech apps and things like that. Our consumers today lack the three sixty degree view of their own finances. Right? That has been a bigger challenge from a long time. And two third of Americans live from paycheck to paycheck. Right? Fifty percent of them have less than five hundred dollars in savings. Right? And AI journey and the impact of AI hasn’t even kicked in. Right? So, you know, if if you go back here in the slide, you know, as Eric mentioned about how human capability is not evolving as fast as AI. And, you know, that’s the advancement that’s coming. And, you know, even at the beginning of the journey, we have a pretty, you know, dire, you know, outcome here, which is, like, you know, fifty percent of our Americans live in less than five hundred dollars in savings. So, you know, there’s bigger problems to solve here. Right? And there’s only seventeen percent of others have any sort of financial education in school. They don’t even know like, a lot of them don’t even know how to optimize their finances and how to make proactive decisions to change their financial outcome in the future. Right? And increasingly, you know, their attention span is also going down. We are all the age of TikTok and Instagram. Small videos, we keep switching to the next one. You know, there’s a deficit in attention span today, and they are looking for, you know, sir the digital services that are extremely personalized. They don’t wanna sort through the noise themselves. They want the digital experiences to be extremely personalized, tell them what they need to care about, and it needs to be proactive and guide them because of lack of financial education and their and their financial insecurity as well today. That’s kind of half of the concern of American consumers who are banking with us. Right? So these are important problems to solve, you know, through, through AI or other technology, but we’ll see how AI will solve most of these problems. On the flip side, when it comes to community banking, we have our own challenges. Right? We have fragmented data and data silos. Right? So we have lot of different systems that don’t talk to each other. We have manual workarounds for most of them. Right? High cost for training, for our agents, and and they have to juggle between multiple systems. One of the top challenges as an industry we face is, significant, challenge with hiring top talent and retaining that. There is always a capacity gap. We all wish we had, you know, few more hands to help out help us out on the projects and and and the goals you set out for yourself. We constantly battle between, multiple projects and multiple priorities. And we also know consumer expectations are raising. Right? And we are not that fast in innovation. Right? So, and we have limited wallet share. So our members bank across multiple financial institution. We don’t have the three sixty degree view. And our wallet share, for a member is quite limited. Right? So, you know, we often are not the primary financial institution where they’re doing seventy, eighty percent of their banking with us. Right? It’s extremely fragmented. And we have regulatory compliance pressure, increased fraud, and, also, we are serving, baby boomers and gen x. We we are finding it hard to attract younger consumers. These are the challenges that we internally are facing as well. Right? So, but there are unique advantages as a community banking institution we bring to the table. Chapter Opportunities for Community Banks One is even till today, in spite of these challenges consumers have and we as community banking, financial institution have, you know, we consistently rank the top in terms of trust and relationship, with with our members and, you know, our customers. And and we are all mission oriented. We want to, be dedicated towards financial well-being of our members and customers, and that’s our top priority. And, we are smaller teams. We can get fewer projects done faster. Right? AI could be a huge force multiplier for someone who has already started out adopting. And we want to achieve personalization at scale. We have not gotten there. Right? So those are kind of some of the opportunities we have in front of us. Some of the advantages of trust and relationship are mission alignment without, you know, opportunities like personalization, compliance, and faster innovation through AI is all something we could really tap into, right, through good technology. So we see a a future with AI, what we call a vision of, bank GPT that can fundamentally solve every problem we just listed until this point from your consumer problems to to the problems of the financial institution. You know, and and you know, that’s that’s quite exciting. Like, the power of AI, you know, can fundamentally transform how banking could work, and, you know, that’s our vision. Right? So we are one AI brain that can power both your consumer experience and employee experiences and solve most of the problems, you know, with this with this bank GPD like interface. You know, you are able to solve the challenges of your consumers providing highly personalized experience, proactive financial coach and a guidance. At the same time, the same AI could augment your staff so your staff can two x, three x their, productivity. So you don’t have to, deal with the talent shortage, but rather with the existing talent we have, we can make the most out of it. Right? So, and it also creates a continuous learning loops. So anything you train once, it never forgotten. It creates a compounding effect over a period of time. Right? So, you know, on the our vision on the customer experience. Right? So, you know, ultimately, we see the bank GPD coming together this way. Right? So you have consumers having a multimodal chat GPD like interface where, their self-service is highly insightful and proactive, automated, recommends products and services, extremely personalized and secure. But the same AI brain on the employee side, would be connecting to same systems but achieve different kinds of outcome. Right? Like, either it’s, you know, creating a bank CEO trying to understand their employee productivity or their marketing campaigns or, how membership or customer base is growing. So they could be using same AI and same integration to ask different kinds of questions. Right? So and even help a c CFO plan out the next quarter, what kind of targets they could achieve on some of these products and services. So if you look at on the customer side, you know, this bank GPT, that we are gonna show you shortly can solve most of the problems our consumer face today, right, which is, lack of personalization. But the bank GPT can provide the personalized interaction, make sure bring them the offer, that that they care about, bring them the insight they care about. And over a period of time, they build that trust and, you know, see how, it’s it’s a sound advice and, you know, take actions more carefully instead of a random, push notification and a standard one size fits fit all kind of campaigns we often do. Right? And you you you know, with this bank, GPT, they’re all they’re gonna have an always on financial coach. Right? Going back to the challenge, seventeen percent of adults are have financial literacy. Right? So having your always on financial coach that can help proactively guide them to make the right decision goes a long way. Right? So this is what agentic AI could make it a reality. Right? And and the and then they can also add multiple financial institution, you know, and bank across all of them in this one bank GPT that you’re gonna offer to them with your own branding and white label product. Right? So, so the challenge of fragmented data goes away too. Right? So, all of this is achievable today through agentic AI. Right? So on the employee side, you know, again, all of the challenges we discussed goes away too. So you’re able to, you know, supercharge your existing employees to two to three x productivity with AI augmenting, giving instant access to knowledge, answers, insights, and even instant access to actions. Right? Imagine if if a a CFO, wants to, find a way to, you know, get, you know, target, like, you know, to sell five thousand more auto loans. Imagine AI coming back and saying the strategy, what they need to do, even recommending a a a new product that they could create with specific features that can with a click of a button, they can push it to their core. And that product is live, like, you know, let’s say, a promotion on an auto loan that could be that could compete against the local market to drive more, conversion. And immediately, that AI is able to start promoting on the customer side. Right? So that’s, that kind of action could be taken, to drive outcomes on the employee side. Work could have taken multiple teams getting involved to, build this now, with a small finance team could make a decision, and and push out the product and have AI automatically start selling it? Right? So it’s pretty powerful. You know, it it it’s very much possible, you know, where you could be, less than hundred employee financial institution and you you’d be around couple of billion dollars in asset. Right? So that’s a very possible reality with the right use of AI tools today. Right? So, you know and we’re also, beyond the, like, the bank GPT that serves your, customers and employees, we’re also bringing an AI operator for you, which also solves one of your biggest challenge, which is bringing together disjoint systems. With AI operator technology, which we’ll show you a demo shortly, you don’t need APIs anymore. You don’t need to struggle to get these systems together or have a manually manual workflows to, argument the incompatibility of the systems. So, you know, AI operator that, we’re gonna show, you know, automatically connects the systems and drives outcome for you without even having to have IT doing API integrations. That’s also one of the significant challenge we face, could be overcome with AI. So, you know, practically, I foresee, like, most of our trouble for our consumers and financial institution can be addressed through successful execution of, AI solutions. It it may not be just one vendor. It may be multiple. And really future proof your financial institution, to get ahead of these, challenges your members have, your customers have, as well as the challenges you face today. So it’s an exciting future. Right? There’s a lot of possibility there. I want to quickly show you a demo of, some of these solutions. We’re gonna get started with Chapter Demo – Agentic Voice AI our agentic voice. So we’re gonna start with how this agentic AI is transforming your member and customer experience, and then we’re gonna go on the employee side. Right? So we got a lot to show you today. So let’s get started on the this is on the voice AI. I’m gonna request my colleague here, Josh, to, help me out with the demo. Yep. So hello, everyone. Good evening, good morning, good afternoon, wherever you’re residing. I’ll be running through our voice AI demo. As you can see, there’s four different scenarios. So, yeah, you can just pay attention to the different scenarios as I walk through them on the voice demo. But give me just one quick second to call into the voice demo bot, and you should hear it coming through shortly. Hi. I’m Jessica, a digital assistant from Navy Federal Credit Union. I I can help with banking services and general questions. This call may be monitored for quality assurance. For the best experience, avoid using speaker mode. How can I help? Hey. I’m at an Apple store in Cypress, Texas, and I’m actually looking to buy an iPhone that cost eight hundred and fifty dollars. Am I able to afford that? To check if you can afford that eight hundred fifty dollar iPhone, I’ll need to access your account information. Could you please provide your member number and the last four digits of your Social Security number for authentication? Sure. My member number is one six zero two three, and the last four of my social is one zero eight one. You’ve got sufficient funds in your vacation savings account ending with zero zero zero one to cover that eight hundred fifty dollar iPhone. Your current balance is one thousand dollars, and your available balance is also one thousand dollars, which is more than enough for the iPhone. Would you like to transfer the funds to your Not right now. But for whatever reason, my card actually just got declined, and I’d like to go get some cash. Can you tell me where the nearest branch is? The Cypress Texas branch is located at one four one four zero Cypress Rosehill Road, Cypress, Texas seven seven four two nine. Their lobby hours are Monday through Friday, nine AM to five PM, and Saturday, nine AM to two PM. They offer cash transactions and twenty four hour ATM access. Want me to text you the address and hours so you have them handy? Standard text message charges may apply. Yeah. Go ahead and text it to me. I’ve sent the branch address and hours to your phone ending in one eight nine eight. Now that you’ve got the branch info, want me to also check if there are any ATM locations closer to the Apple Store where you are so you can grab some cash right away? Before you do that, I’d actually like to some money. Can you set up a trainer of fifty checking account to my savings account? To proceed with that fifty dollar transfer from checking to savings, I just need to verify it’s really you. I’ve set the one time password to your phone ending in one eight nine eight. To verify, could you please read back the code you just received? Yeah. The code is one two three four five six. Fifty dollar transfer from your checking to savings is all set. You now have seven hundred dollars in checking and one thousand fifty in savings. Want me to find those ATMs near the Apple Store for you now? No. Thanks. But if I send the same amount of money to my savings account every week, how much money would I have in there after three months? If you transfer fifty dollars every week for twelve weeks, that’s six hundred dollars. Adding that to your current one thousand and fifty in savings, you’ll have one thousand six hundred fifty dollars. Want me to set up those automatic weekly transfers for you? Not right now, but I would actually like to save ten thousand dollars in one year. Can you tell me how much I would need to transfer to achieve that? To save ten thousand dollars in one year, you’d need to set aside about one hundred ninety two dollars and thirty one cents every week. That’s a great goal. Considering you were just discussing transferring fifty dollars weekly, I can help you adjust that amount or even set up an automatic transfer for this new goal. Would you like me to assist with that? Yeah. Go ahead and set it up, please. The recurring weekly transfer of one hundred ninety two dollars and thirty one cents from your free checking account ending with zero zero zero three to your vacation savings account ending with zero zero zero one has been successfully set up. You will now have a weekly transfer of one hundred ninety two dollars and thirty one cents to help you achieve your financial goal of saving ten thousand dollars in one year. Want me to also set up low balance alerts for your checking account so you’re always aware of your balance before each weekly transfer? No. Thank you. But I would like to apply for an auto loan. I’m interested in getting a used car for about thirty thousand dollars. What are the current auto loan rates that you offer? For a used vehicle loan of thirty thousand dollars, our APR can be as low as four point nine nine percent for terms up to thirty six months, five point four nine percent for terms thirty seven to sixty months, and five point five nine percent for terms sixty one to seventy two months. As a valued member, if you’re active duty or retired military with direct deposit, you may qualify for a zero point two five percent APR discount on auto refinance loans. Our auto refinance loan rates are the same as new or used auto loans depending on the vehicle’s characteristics. Plus, with our auto refinance loans, you can get a two hundred dollar bonus when refinancing an auto loan of at least five thousand dollars from another renter. Would you like me to send this information to your phone ending in one eight nine eight for easy reference? Standard text message charges may apply. Not right now, but can you tell me what documents I would need to bring in order to apply for this loan? To apply for that thirty thousand dollar auto loan, you’ll typically need a completed loan application, a purchase invoice for the vehicle, including the year, make, model, mileage, VIN, and sales price, a personal guarantee, and we’ll need to run a personal credit check. I can send this list to your phone ending in one eight nine eight for easy reference, and standard text message charges may apply. Would you like that? No. Thank you. Can you actually tell me about some recent transactions I’ve had in my checking account? Let me walk you through your recent transactions in your free checking account. You had a few credits, including a family vacation deposit of one hundred fifty dollars, a paycheck deposit of two hundred fifty dollars, a side due payment of three hundred dollars, and a Social Security deposit of one thousand dollars. There were also some debits, like a hotel booking for one hundred twenty dollars, a restaurant charge for one hundred fifty dollars, and a souvenir shop purchase for seventy five dollars. Additionally, you received some interest credits. However, I noticed there were two large transfers out of your account today, totaling twenty four thousand two hundred thirty one dollars going to account five six zero one one two. Would you like me to help you understand these transactions better, or is there something else I can assist you with? Hey. I don’t recognize some of these transactions, and I don’t think I made them. I’m kinda worried that there might be some fraud on my account. Can you can you help me out here? I’ve got you connected with one of our fraud services specialists now. They’ll take care of you right away and help figure out what’s going on with those transactions. Just stay on the line for a sec, and they’ll be with you shortly. Hey, Josh. Thank you for that. Hope, you all noticed the AI in action there. We intentionally kind of slowed it down a little bit for the demo to make it easy for all of you to follow. And hope you notice some very powerful capability there. How first of all, to just to start off to say none of that is scripted. AI was fully autonomously using the data from Navy Federal Credit Union website and the integration to autonomously answer those questions. Nothing is prescripted. Right? And I hope you notice how it was, answering, you know, asking a follow-up question, in a very contextual. Right? Like, you know, based on what you just did, it was telling you what how else it can help you. Right? So it was able to do some complicated math for you. It was able to remember your location automatically, get you to a branch or ADM. You didn’t have to repeat it. It was able to figure out the spend intelligence, how much, money you have, how much you’ve been spending to see if you can make a large, purchase. And it was able to guide through auto loan, giving very detailed information and and the rates and and the discounts applicable, all coming from the website straight up. Right? And finally, it’s very important to us, which is when George expressed concern about some of the transaction, before even he asked for an agent, AI realized that this is the right question to be answered by an agent automatically transferred. So balancing efficiency and the personal care, is is extremely important, in our industry. So you saw how I was able to do that in action. Right? So, you know, that’s, where AI is gonna take us with that kind of the member experience, employee, customer experience. I wanna show you how this would look on the chat. Right? So, I’m gonna request Chapter Demo – Agentic Chat AI my colleague here, Laura, to help me out with a demo. Great. So we we created a hypothetical financial institution interface bank. Don’t worry. We’re not in the business of banking. So you see now AI in action on the website and online mobile banking online application. So, you know, if you go to your website, you can pop it open, you can see AI there. We’re gonna try ask a few questions. We’re gonna start with, something, basic, you know. But we get asked these kind of question quite a bit. What’s the routing number? There can immediately answer that, but also give you a link to the source. If you click on view more, it automatically navigates and highlights the content on your website. So now, let’s go try a few more examples real quick. So, let’s say we’re gonna, ask, you know, you’re a student looking for a credit card, you know, comes back, ask you a follow-up question. Okay? What kind of specific features matter to you? So you can say, I wanna do more savings, via cashback. So it says, okay. Great. I’m gonna do the research. Shall I proceed or you have anything else to add? Say, not right now. And this is kind of the AI operator I was talking about. It actually takes control from your member and automatically navigates the screen, does all the research, and comes back, pulls up the right credit card for you, with the right offer, and and, automatically navigates to that website and highlights it for you on the left side. Right? Now, you know, if you look at the chat on the right side, it says, hey. Is this, meets your expectation? Do you wanna go and apply? So you, you know, you click apply. And, gone are the days you sit through multiple pages of application. Here, the AI automatically analyzes application and comes back and says, hey. Why don’t you upload these documents for me? I’m going to go ahead apply, on behalf of you. So all you need to do is just find those documents and upload them. AI is gonna extract all the information from that and automatically, fill it up. So it’ll it is asking you, hey. I got all the information. Shall I proceed to apply? You just AI operator I was talking about. It automatically fills up the application on behalf of you, as a member or a potential member. Right? And comes back, gives you the application number. That’s it. That, you know, imagine, the current ways of doing it. There’s just a lot of manual intervention. So hopefully, you kinda see AI operator. Right? It can seamlessly work with your online application, without that API integration and get things done. Right? Chapter Demo – AI Operator It’s basically our AI operator mimicking user actions, and navigating this website like a human being. The AI is navigating this website like a human being, reasoning the screens and looking what buttons to click on and taking action on behalf of the member. Right? So now let’s say, they got this card, they logged into online mobile banking. Right? So, you know, pretty much let’s, quickly, show you how that experience gonna be. So you can be, let’s say, within online mobile banking, still use AI. So let’s, we’ll try some, questions here real quick and say you wanna transfer money, you just type it in or speak into the mic button on the right bottom corner. Right? So, comes back says, can you confirm? You just click yes. Your money transfer is done. Right? So let let’s try something a little more complicated. So we’ll say, you know, let’s try to find a a thousand dollar charge on Amazon, on our on our bank account. You know, imagine trying to do that online more banking. So, you know, you you had to go through statements to find the transaction. It’s really hard to search for any transaction. But the AI was able to instantly find that and, you know, work as a companion to your online mobile banking and, quickly give you option. Right? Do you want to block this card or dispute this charge? You just, you know, click on the button to take action and immediately, you know, you’re you’re on on your way out. You took care of what you’re there for. You know, let’s try something a little more complicated. So let’s say we’re trying to schedule a payment, for your credit card that you just opened up. And, it comes back, tells you, and kind of this is a financial insight. It tells you, hey. You know what? I can go ahead and set this up for you, but, you know, you should wait, till September third because you’re gonna have or October third because you’re gonna have a, a cash flow issue. It is analyzing their expense pattern and automatically suggesting them to take the right decision. So now with a click of a button, you can, schedule that payment, on time and you don’t have to make it today. Right? So, and also encourage for automated payments and things like that. So, so it’s insightful. And, you know, we’re gonna show you one more, example here. Something that online mobile banking is almost impossible to do and shows you how AI could be a true companion. And we’re gonna ask one of the popular questions, we we get asked about, which is how many streaming subscriptions we have. And we lose count of it nowadays. So imagine trying to do this online mobile banking. It’s almost impossible to fetch this data. Right now, as soon as you ask the question, AI says, you know what? I can pull all this information. Can I proceed? You say yes. Again, the AI operator kicks in, takes control of online mobile banking, automatically navigates the, online mobile banking, going to each account, downloading statements, scanning through transactions, and summarizing all of that in a easily digestible way. And it creates an interactive graph. At the right, on on the top, you can even interact with the graph on the left side, you know, drop down and things like that. Right? You’re still on online mobile banking, by the way. So if you click on the right, top corner, it dismisses the AI. You’re back in online mobile banking. But you click on it back again, you’re back in AI. So AI is making decision. When is the right time to take full screen to show you something more involved? Right? So so that’s kind of AI operator in play. Without integration, you know, it has ability to use the functionality on your online mobile, make your online applications and answer questions that otherwise would have taken a long time for consumers to do. Right? So fully, it gives you an idea. And imagine this a operator working on the employee side, you know, there’s just, like, so much possibility. We’ll we’ll also show that in action here very shortly. Probably kind of a perfect segue, to one more topic we wanna talk, right, which is we still talk about the member and a con customer side. Right? So Chapter Demo – Sphere we talked about how AI can work on top of an existing investment without really even integrating, with them, right, through APIs like, you know, online application on your website, online mobile banking, all of these. So that’s kind of the journey you can start with agentic AI. But, you know, but what if you’re thinking ground up? Let’s say you’re a new creator in your account today and you wanna use the AI to the fullest. Right? And imagine if there was an option for you where is a fully AI first online mobile banking. Right? So how would that look like? Is it even possible? It’s absolutely yes. We are already, you know, you know, alpha testing with a few customers, which is, we have built out a complete AI first online mobile banking. There’s nothing like this exist, in the world. So we’re very proud of this. This is how the future of online mode banking looks like. So after you go through, putting AI to existing investment, you and your members get comfortable. So now you can transition to a fully AI first setup, right, that can replace your website online application and online mobile banking to one cohesive AI interface. Right? So, this is how it looks like. From day one, it’s gonna be multi account. So, aggregation is also done by AI. You don’t need a third party like Plaid or Yodlee. Not only aggregates the multiple accounts, but it also has a blue to transact across multiple accounts. We’ll show you that in action. So, you also see a AI on on the, on the, on the on the right side. You click it, and automatically takes full screen. So it’s like your bank GPD, right? It’s like your chat GPD but for banking. So here, you could do, things that you could never imagine possible in all in all banking. Right? So we’re gonna try something here. We’re gonna say, you know, I’m, looking to plan an investment strategy for my ten year old for education. Right? So a a a question of this magnitude would require several weeks of, and weekends, most likely, and late evenings of effort effort to do the research and plan everything, move the funds, set up automatic payments. We’re gonna show you how you can complete that in next two minutes. Right? So AI comes back and shows you, hey, what kind of college you’re planning to send your kid? So you’ve provided some regions and colleges in mind, and you select all the accounts that needs to be used for planning purposes. You choose your investment strategy. Right? And you say, you know, proceed with my preferences. Conspec says, you know, there are multiple accounts. Do you wanna use all of them? Do you have any other accounts you wanna add? No. Planning for such a big invest business savings is is is a family decision, not just, one person. Let’s say you can say, add my spouse account too. Why not? So you can literally, ask AI to do that and connect in real time to your spouse account and use that for planning. So here it is asked what is the financial institution they’re banking with. You know, you can type it in and the AI comes back. Okay. Let’s go ahead and link it. And in real time, it brings up that safe credit union, offers them to log in. Right? And, you know, at any point, you can go back the blue button. You can say resume the process. But, we’re gonna log in here real quick. The username password. And it automatically connects and you can resume. Now it’s connecting to Safe Credit Union, accounts and pulling all the accounts of my wife and says, hey. I got a couple of checking accounts. Should I use all of them for planning? You say, go ahead. And, comes back here, back again. It shows you the account. Now you can add them to your planning and say, continue with the, research. So now it is doing lot of analysis for you. Looking back how tuition fees have trended in the last ten years, adjusting for inflation. You know, what how, college tuition fees have, been increasing on an average. Do all of this research, find the right products for five twenty nine, education savings account plans and comes back tells you, here’s a corpus you most likely need for University of California. Right? And, you know, here’s a month monthly contribution you should plan for given the age of, your kid and whatnot. So at the bottom, of course, you can adjust some of the savings goals and inflation rate if you’d like. Also says using the five twenty nine savings account strategy. With the click of a button, let’s say execute this plan. You can literally have AI set up all of these, open a new five twenty nine account, open a student savings account, setting up auto debit to your salary, and finalizing all of this planning for you and you’re done. Right? So what could take you several weeks and late evenings and weekends to execute, you’re done a few few minutes of a complicated financial planning. So that’s what we call bank GPT. Extremely personalized, aggregated, like, it aggregates all of the financial institution and helps you take action across multiple financial institutions. You know, lot of the consumer problems we talked about, like, AI is it, it has a blueprint for always on coaching. You saw how it was coaching to add multiple accounts for planning and it was doing the planning practically on on behalf of, the member. So it kind of solves most of the problems we talked about that our consumers are facing. Right? So, with that coaching and guidance and personalization. So we wanna spend a few minutes to show you on the employee side. So we we gonna Chapter Demo – Agentic Employee AI show you two things. We’re gonna show you how there’s an employee AI that you can use organization wide, from your executives to, your call center employees to branch employees and, everyone. And we’re also gonna show you a, unique product that is purpose built for your call center staff, right, with operator AI built into it. So we’re gonna, start with a demo on the employee AI here real quick. So this is how your employee AI, is gonna look. Again, it’s like bank GPT, similar to your member facing. Let’s get started. You can quickly enter a question here real quick, which it says, you know, I you need a refresher course to say a pitch deck for credit card sales for your sales team. And, you know, ask AI to create that and email it to, your frontline team or your call center teams. Right? So So it comes back ask, hey. Can you give me, is this kind of the breakdown is okay? And and you can go ahead, respond to it. And here is how I want to plan the key topics. And says, okay. Great. Does this cover everything? You say, let’s proceed. And AI GoSight creates that, for use that you can easily share with your employees for coaching and training on how to, sell the credit cards. Right? So, and you can go and say, create a a tracker in a role by role, you know, a training. And this even creates an email that you could copy paste, send it out. With an integration to your email system, we can even send it out to specific pea specific team members as well. Right? So, and we’re gonna look at a couple of use cases here. You know, he’s he’s talking about, you know, sending out an email, you can schedule it and things like that. So in that active task is, listed on the left side. You can go and see how, the emails have sent out and things like that. So you’re planning out a course for your frontline team and you’re emailing out everything from EmployAI. So, we’ll show you a couple of use cases here. So we’re gonna, switch to another one, you know, give us a minute here. So here, this is, you know, another use case we’re gonna show you here real quick. Let’s go ahead and get started. So we’re talking about, let’s say one of our executives are looking at a a dashboard, for tracking member growth. So, you know, for the last twelve months. So you can come back and say, hey. Can I create a dashboard with the following? Would would that be sufficient? So you can confirm or request for changes. Let’s, let’s go ahead and, it say break it down by regen a member tier. And it has ability to confirm and get, get the confirmation and go ahead kind of create the, trends for you here shortly. So it it it has a job. It even it has to connect with multiple system, it’s it’s a job that’s asynchronous. Let’s get scheduled. You’ll be able to see on the left side, that it is processing, and it can it can notify you through a browser notification. It could come back, see it, as well. Let’s, continue. It comes back, shows you, once the job is done, hey. Here is how member growth and deposit trends are. Again, it’s the same integration, the same AI that helping your members now establishing the same systems and knowledge to give answers to your employees and with instant access to knowledge and insights. So, you know, in the interest of time, we’d probably show one more, use case here on the EmployAI, and then, we switch to the, the, you know, operator AI for your call center agents. Give us a minute. Let’s get another one here. So now, you know, let’s say your lending department is looking to, look at pending loan applications and wire transfers. So they could come in come in come in here and type it in. So then it has ability to connect with your LOS, pull that, details and show you this is kind of the summary. Should I, you know, give you, a table summarizing this? And it was able to show you how many loan applications are complete, where the issues are found. And, you can show what are the exceptions causing these issues. You can have the discussion right there and, it even ask you, shall I notify, the branch officer for approval? So you can request for the same and you can take care of that and you the job gets scheduled as well. That, you know, it has a ability to come back and show you once the job is completed. So hopefully, you get an idea, like, literally, a lot of challenges we talked about, as a financial institution, like, you know, not being able to staff up and hire, in, our teams and things like that. You can see how AI could argument, and and, you know, kind of drive quite a bit of value for, you know, and productivity gain for employees. I wanna, kind of share with you the operator AI, in action real quick. So that’s probably, you know, imagine all that automatic, AI, they’re automatically navigating these disjoint systems. Imagine that happening for your contact center staff as well. You know, often our contact center staff has three to four screens, twenty different applications. You know, it’s hard to navigate and train our staff with all of those tools. But the future of contact center will be very different. Agentic AI, the power of it. Right? Like, so this is how future of contact center looks like. There’s one screen that your staff would, you know, wait for a task to be assigned by AI. Right? So AI is already talking to members on chat or voice, and it real time loops in your employees wherever the assistance is needed or wherever air gets stuck. Right? That’s how seamless it’s gonna be. In the past, we had, you know, twenty years back when contact centers were invented, one person can do one call at a time, and then live chat came. You can do four to five live chat at a time. But with AI, one person could be handling twenty to thirty calls at a time, which show how is it possible. So let’s say your agent goes and says, changes the status to be available. Immediately, AI, a sense a task. Is AI is some member is already talking to AI on the voice, but it got stuck. It brought in your, agent in the loop and says, hey. This person is trying to do a wire transfer. I I got logged out of a system. Can you help me, log in back again here? So you can quickly type it, you as an agent just stepping in, type typing unblocking that AI. And the blocking could happen because of system issues or it could be also for compliance issues that where human verification is needed. So once you log in, AI was even able to bring up the right screen and show you, hey, why don’t you click yes to authorize? You know, that could be for a compliance reason too. Once you click yes, automatically, the AI sends you next task. This turns out to be a callback request someone, requested for and their, their, their request callback request for a loan application status. Again, the AI on the left side already can bring up the right systems and tools and right screens and keep it ready for you, and and also give you an option for your, customers to I mean, your agent to call. So you click on the call customer button. So it initiates a call. Real time, it transcribes the call between the agent and the member. And, you know, the the discussion is kind of captured in real time. And, you can see the back and forth there, and the call gets, wrapped up. They don’t they don’t have juggle between multiple system. Now the task is done. AI sends the next task. This time, it’s about someone calling about increased credit card limit, and they’ve, gotten, stuck. So you got the idea. So it has ability to, bring the right tool, right screen, and context, and enable, you you know, if there’s ten step in the process, you know, AI probably would have done nine step, got stuck in one of them, and you your staff come in real time in the loop and unblock and AI takes over from there. Right? So that’s the, you know, future of, you know, the the employee experience and the contact center. Right? So pretty much it the AI can work across multiple system. You don’t need APIs to bring them together. It has I believe it automatically navigate and get things done. So hopefully, that gives you a good idea on where this coming with agent AI and how banking is gonna be transformed and potentially solving most of the challenges. Chapter Q&A Session on AI Implementation I have, a couple of minutes. I will take a couple of questions, but we can follow-up with some of these, questions offline too. There’s, one question from Nas. Does voice AI has access to core or a secondary database for the member info? What projects are in place to ensure core performance is not impacted by voice AI queries and transactions. You know, thank you for asking this question. So, yes, it has access to, most of your system record. Could be core credit card processing debit card processing system or even LO systems. And it uses APIs or through, you know, through operator AI to navigate if there’s no APIs to get things done. So core performance is not impacted. I I think we do need a core that that has ability to take that kind of volume and incoming queries. So as long as the core is capable to set up to take those inbound request, we can make sure there’s no impact, for the member experience. There’s another question probably last question. We’ll take other questions offline. Would there be any regulatory compliance issue with, doing bank GPT and opening accounts through AI agent? What we need to look, look out for? You know, absolutely. So you you saw how when the Bang GPD on the consumer side that’s happening, what is what what is seamless that your members won’t even see is behind the scene, it is bringing a human in the loop when there is a compliant compliant compliance necessary as in a human needs to be involved or, you know, verify and, you know, approve some of the responses. The AI bringing, in a human in the loop in the real time ensuring you meet those compliance obligation wherever is necessary. Right? So, so but cons your members would never see that happening at all. Right? So, hope that was helpful to see how banking is gonna transform, you know, with with agentic AI, how it’s gonna be transformed. I wanna share for everyone who joined here. Absolutely thank you for joining us. And just to wrap it up. Right? So, you know, in this autonomous world where AI is going to practically put retail banking on an autopilot in next three to five years, what is the role of a community banking financial institutions? You know, I think, you know and what would it look like in three, five years for us? We are a custodian of custodian of trust today. Right? So, you know, and pretty much, with high touch, high, tech, we can provide personalized care. And, you you know, we empower our staff with, you know, AI, with creating, you know, less number of headcount, creating a massive, you know, financial institution, hyper personalized products, and truly become a champion for the financial well-being of our members. Right? So we will largely be a custodian of the trust, and mission, and the AI will be driving most of that. So it’s important that you want further invest in our communities, in the coming days, because, more and more of these will become a commodity. Right? So with that, for everyone joining, we wanna offer, a free trial of nine ninety days free trial for chat AI on on the website that you could set up in twenty four hours. It’s like a bank GPT starts, can immediately search from your website and answer all the questions. Appreciate you all joining. We’ll follow-up with some of the pending questions offline. Thank you.