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The AI Showdown

Scripted AI vs agentic AI - See the difference for yourself across voice & chat
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Scripted AI

AI Agent: I can’t set up bi-weekly transfers. For assistance, please contact our member support team or visit a branch.

Agentic AI

AI Agent: I can help. Just to confirm—you want to save $10,000 by December with automatic transfers every two weeks from Checking to Savings, correct?
 

Member: Yes.

AI Agent: Great. What date in December are you targeting?

Member: December 15.

AI Agent: Based on your schedule, there are 8 transfers before Dec 15. To reach $10,000, each transfer will be $1,250. Do you want to start next Friday?

Member: Yes.

AI Agent: I’ll set bi‑weekly transfers of $1,250 from Checking ‑1234 to Savings ‑5678, starting next Friday, ending Dec 13. If a transfer might overdraw your account, I’ll notify you and pause pending approval. Confirm?

Member: Confirm.

AI Agent: Can I help with anything else?

Scripted AI

AI Agent: I will transfer you to our lending team. Please hold.

Agentic AI

AI Agent: I can help. I’ll verify your identity to access loan details. A one‑time passcode was sent to your mobile ending ‑2314.

Member: 482913.

AI Agent: Thanks. Your Auto Loan ‑4421 payoff is $13,487.20. There’s no early‑payoff fee. Shall I schedule a payment from Checking account ending in ‑1234?

Member: Yes.

AI Agent: Scheduled. You’ll receive a lien‑release confirmation within 10 business days. I’ve canceled your next auto‑pays  for this loan. Anything else I can help with?

Scripted AI

AI Agent: You can add a travel notice in online banking. Travel notifications help reduce card declines while you’re away. I have send you the link to download the online banking app.

Agentic AI

AI Agent:  I can set that up. You’re already verified via device biometrics, so I’ll proceed. I’m placing a travel notice for Oct 10–18 on Debit ‑8892 for Mexico City, MX. Would you also like real‑time transaction alerts and to temporarily raise your ATM limit to $600/day while you’re away?

Member: Yes to both.

AI Agent: Done. I’ve enabled international transactions during your dates, set alerts to SMS + email, and raised the ATM limit through Oct 18.

Member: Thank You

Scripted AI

AI Agent: To request a wire transfer, please visit a branch. I sent you the text with link to our branch locations.

Agentic AI

AI Agent: I can assist with that. I need to verify your identity before I can assist. I have sent you the SMS text with a link to confirm with your device’s Face ID or fingerprint. Please click on the link. 

Member: Done

AI Agent: Please provide the recipient’s account and routing number.

Member: Account -223344, Routing -111000025.

AI Agent: Got it. I’ll schedule a wire of $2,500 to Wells Fargo, Dallas, TX. Wires sent before 4:00 PM process same-day with a $25 fee. To comply with regulations, I’ll need you to confirm with a one-time passcode sent to your phone.

Member: 653912.

AI Agent: Verified. Your wire has been scheduled for today. A confirmation receipt has been emailed and stored in your secure messages.

Scripted AI

AI Agent: I am transferring you to our fraud department. Please hold

Agentic AI

AI Agent: I see a $650 charge at Best Buy on card ending in 4321, posted today at 2:14 pm. Would you like me to freeze this card immediately while we review?

Member: Yes, freeze it.

AI Agent: Done — your card is now frozen.I’ve also opened a fraud dispute for the Best Buy transaction.  Our fraud department will contact you after the  investigation.

Would you like to receive a new credit card?

Member: No.

Scripted AI

AI Agent: I am transferring you to our mortgage servicing team for assistance. Please hold.

Agentic AI

AI Agent: Let’s review your mortgage ending in 7789. Your current monthly payment is $1,540, with $320 going to escrow. What’s the new annual property tax amount

Member: It’s going up by $1,200 per year.

AI Agent: Got it. That’s an extra $100 per month. To cover it, your new escrow payment will be $420, bringing your total monthly mortgage payment to $1,640.

Would you like to spread the $1,200 increase evenly over the next 12 months, or pay the difference in a single adjustment this month?

Member: Spread it over 12 months.

AI Agent: Done. Your updated payment of $1,640 will start with your next due date, June 1. I’ve sent you a confirmation and updated escrow disclosure to your email and mobile app.

Not All AI Is Equal
The AI divide that makes or breaks the banking experience
AI is everywhere, but here’s the catch: most of it is all talk, no action. This guide breaks down how to spot the difference, and why banking-specific AI is the only kind worth your time.
What you'll learn
  • Critical differences between scripted AI & agentic AI
  • How agentic AI resolves while scripted AI deflects
  • Real banking scenarios that show the difference
  • Outcomes backed by performance metrics and case studies.
Download the C-suite guide
AI Health Check
Is your AI dumb or smart?
Is your AI creating friction or building trust? Take this quick quiz to see if you’re running on a dumb answer engine or a smart action engine built for banking.
2 Minutes
Quick Assessment
10 Questions
Key AI Criteria
Instant
Scorecard Results
Take the quiz
Put AI agents to the test in real-time
Tell us what AI you want to test – and we’ll show you the results in real-time so you can see the difference for yourself!
Hear the Future: Agentic Voice AI in Action
We asked interface.ai’s Agentic Voice AI to handle a real inbound call. Listen as it understands complicated questions, holds a natural conversation, and resolves multiple requests. Here are the scenarios: 
  • Provide financial guidance & verify identity
  • Locate nearest branch & send SMS location
  • Transfer funds with secure verification
  • Plan savings goal with automated transfers
  • Compare auto loan rates
  • Review transactions & escalate fraud concern to agent

AI Evolution - A Decade of Milestones

AI has advanced faster than nearly any other tech in modern history. Nearly 40% of U.S. adults now use generative AI regularly – a pace that took the internet five years longer, and the personal computer over a decade, to reach. These milestones capture some of the most significant moments in the past ten years.
Chatbots expand across platforms
Chatbots launch on Facebook Messenger and other apps, sparking a surge in business adoption. Companies experiment with bots for answering questions, booking appointments, and simple tasks — a milestone in scaling conversational AI.
AI copilots support agents
AI begins working behind the scenes, assisting people with suggested responses, information retrieval, and repetitive tasks. It marks the start of AI as a collaborative partner.
Generative AI becomes mainstream
ChatGPT and DALL·E capture global attention, showing the potential of Generative AI to generate text, images, and ideas with surprising fluency. The launch marks the birth of generative AI for the public.
Generative AI enters business use
Generative AI moves beyond experimentation into practical applications. Enterprises adopt AI copilots, advanced voice bots, and smarter chat solutions, shifting AI from novelty to everyday utility.
The rise of agentic AI
The next leap: AI that can not only respond, but also reason, plan, and act. These autonomous digital agents handle tasks end-to-end, signaling the future of work and interaction. With interface.ai, this future becomes reality in financial services – delivered through intelligent, empathetic, and reliable AI agents.
Not All AI Delivers the Same Results
See how banks and credit unions are transforming service and efficiency with vertical, agentic AI.
60% call automation
“Our AI voice agent consistently handles over 60% of total inbound calls during business hours and over 75% after business hours.”

Elizabeth Osborne

COO

300 agent hours saved per month
“76% of all live chats are now handled 
through interface.ai’s Chat AI, with only 14% requiring assistance from our live customer service reps.”

Edward Barcinas

VP, Project Management

$6.6m annual revenue enabled
We have hardly come across vendors who provide white-glove services such as those provided by interface.ai. They are setting new standards in the industry.

Estela Nagahashi

EVP, COO

AI Insights for Banks and Credit Unions

Here is everything a CU exec should really know about AI agents today.
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These are the 5 questions you need to ask before buying AI.
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Why is choosing vertical AI mission-critical for banks & credit unions? Find out here
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