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AI agents for financial services

Automate initial conversations while keeping decisions and approvals human.

Mortgage, insurance, accounting and advisory firms receive enquiries that need a fast first reply and careful handling. An AI agent gathers the initial information, answers approved general questions, routes each case to the right adviser and leaves every decision with a licensed human.

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Financial adviser reviewing a printed document with a client at a bright office table

Sound familiar?

Where enquiries slip through today.

The everyday friction teams describe before an AI agent takes the first response.

  • Enquiries need a quick reply, but the first ten minutes are the same fact-finding every time.

  • Advisers spend time on cases that are not a fit—outside your products, region or minimum criteria.

  • Compliance requires consistent wording and a record of what was said, which is hard to guarantee across a busy team.

  • Documents arrive piecemeal by email, and cases stall while someone chases the missing items.

  • Follow-ups slip when advisers are in meetings, and prospects assume no one is interested.

Three high-value workflows

What the agent takes on, step by step.

Each workflow is configured around your rules, wording and systems. The steps show the typical shape; the details are yours.

  1. Initial enquiry intake and routing

    Collect the first-conversation facts consistently and send each case to the right adviser.

    1. Reply immediately with an approved introduction and a clear statement that a human adviser makes all recommendations
    2. Ask the initial fact-finding questions you specify—need, timeline, amount range, region, existing provider
    3. Answer general product and process questions from approved wording only
    4. Check the enquiry against your routing criteria and product scope
    5. Assign the case to the right adviser or team and send a structured summary
    6. Schedule the first adviser call in the adviser’s calendar

    Outcome: Advisers start each call with the facts already collected

  2. Document collection and case preparation

    Turn scattered emails into a complete file before the adviser opens it.

    1. Send the checklist of documents required for the case type
    2. Receive uploads through a secure link and confirm each item received
    3. Chase outstanding items on a schedule you approve
    4. Notify the adviser when the file is complete or when a client is stuck
    5. Record every step in the case record for the audit trail

    Outcome: Complete case files, with a record of every request and reply

  3. Existing-client service requests

    Handle routine service requests quickly and escalate anything that needs a licensed person.

    1. Identify the client through the verification steps you define
    2. Handle routine requests—appointment changes, document copies, status updates—within permissions
    3. Answer general questions about processes and timelines from approved content
    4. Recognise complaints, vulnerability indicators or advice requests and escalate immediately
    5. Log the interaction and outcome against the client record

    Outcome: Routine requests resolved; sensitive ones reach a human fast

Example conversation

Mortgage enquiry routed to an adviser

An illustrative conversation showing the agent at work—and what it does in your systems while it talks. Names, times and figures are examples, not client data.
  1. Customer: Hi, we’re looking at buying our first home and want to understand what mortgage we could get.
  2. Agent: Happy to help you get started. I’m the firm’s AI assistant: I can collect a few details and book you with a mortgage adviser, who will look at your situation and make any recommendation. Are you looking to buy in Cyprus, and do you have a purchase price or area in mind?
  3. Customer: Yes, Limassol. Probably around €350,000 to €400,000.
  4. Agent: Thank you. Two more questions so the adviser can prepare: roughly what deposit are you planning to put down, and are you employed, self-employed or a mix within the household?
  5. Customer: About €80,000 deposit. I’m employed, my partner is self-employed.
  6. Agent: That’s helpful. I can’t tell you what you would be offered—that depends on the adviser’s assessment and the lender—but I can book a first call. Andreas specialises in first-time buyers and has availability tomorrow at 11:00 or Thursday at 17:00. Which would you prefer?
  7. Customer: Thursday at 17:00.
  8. Agent: Booked: Thursday at 17:00 with Andreas. I’ve sent a confirmation with the documents that are useful to have ready. Andreas will review your details beforehand.
  9. System: Case routed to Andreas · Adviser call booked · Case record created with transcript

What the agent does

Web Chat

Behind the conversation, in your systems.

  1. Approved introduction and scope notice

    Stated that a licensed adviser makes recommendations

  2. Captured initial facts

    Location, price range, deposit, employment types

  3. Applied routing criteria

    First-time buyer, mixed employment → specialist adviser

  4. Booked Thursday 17:00 with Andreas

    Adviser calendar, 45 minutes

  5. Created case record with transcript

    Full conversation attached for review

  6. Adviser briefed

    Structured summary and document checklist sent

Before and after

The same enquiries. A different day.

What changes when the agent handles the first response and the admin around it—and where your team stays in the loop.
Before

Manual first response

  • Prospects wait for a callback; the first ten minutes of every call repeat the same questions.

  • Advisers discover a case is out of scope only after investing time in it.

  • Introductions and disclosures vary from person to person and are hard to evidence.

  • Documents trickle in by email; cases stall while someone chases them.

  • Follow-ups depend on adviser availability and memory.

After

With an AI agent

  • Every enquiry gets an immediate, consistent introduction, and the initial facts are captured once.

  • Cases are routed by your criteria to the adviser who should handle them.

  • Approved wording is used every time, and the full transcript sits in the case record.

  • Document checklists, secure uploads and reminders run automatically until the file is complete.

  • Advisers spend their time on assessments, recommendations and approvals—the decisions only they can make.

Recommended package

The package we usually recommend.

Financial firms need routing by criteria, approval steps, audit-ready records and integrations with case-management or CRM systems that are often custom. Business includes advanced routing and approvals, custom integrations and a reporting dashboard. Regulated workflows are scoped individually after the discovery call.

Agents involved

Also relevant

Business

Multiple agents and channels, including voice, with custom integrations.

One-time setup
From €3,990
Monthly plan
From €499/month
  • Multiple channels and workflows
  • Voice, WhatsApp, email and web
  • Custom CRM/API integrations
  • Advanced routing and approvals
  • Reporting dashboard
  • Priority support
Design My SolutionCompare all packages

Prices are starting points and exclude third-party usage fees such as AI model, WhatsApp, telephony, email, and external software charges. Final pricing depends on workflow complexity, integrations, volume, languages, and support requirements.

Human control

What the agent does—and what stays with your team.

The agent collects information, answers approved general questions, schedules calls, routes cases and escalates. It does not give financial advice, assess eligibility, quote rates, make lending or underwriting decisions or approve anything—those remain with your licensed advisers and your approval processes. Introductions, disclosures and disclaimers use wording your compliance function approves, every conversation is recorded in the case file, and permissions restrict what the agent can see and do. We do not claim regulatory compliance on your behalf; we build to the requirements you and your compliance advisers set.

The agent

  • Collects information
  • Answers approved general questions
  • Schedules, routes and escalates

Your team

  • Makes every medical, legal, financial or eligibility decision
  • Approves anything outside the rules you set
  • Reviews the conversation history at any time

FAQ

Common questions

Honest answers about scope, data and control for this sector.

No. It gathers initial information, answers general process and product questions using approved wording, books adviser calls and routes cases. Suitability, eligibility, pricing and approvals stay with your licensed people and your existing processes.

The agent only uses content and wording your compliance function has approved, and it is tested against scenarios you define—including attempts to get it to speculate about rates or outcomes. When a question falls outside the approved scope, it says so and offers an adviser.

Yes. Every conversation, captured field, routing decision and handoff is logged and attached to the case record in your CRM or case-management system, with timestamps. Your team can review any conversation.

It can follow the identification steps you define before handling routine service requests, and it can be restricted so anything beyond those requests goes straight to your team. We do not recommend the agent handle authentication for sensitive account actions; those stay in your secure systems.

Common CRMs and calendars connect directly. Case-management, KYC and document platforms vary, so the Business package includes custom API work scoped after we see the documentation.

Regulated workflows are scoped individually with your compliance advisers involved, including approval steps and test scenarios. Simple agents can often be launched quickly once we receive the required content and access. More complex, voice, custom or regulated workflows require additional design and testing. After the discovery call, we provide a clear implementation plan.

Show us one enquiry. We’ll show you the agent.

Bring a real enquiry from your business to a free 30-minute session. We’ll map how an agent would handle it—and where your team stays in control.

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Free 30-minute automation assessment.