Conversational AI for every financial relationship

Acquire customers, resolve account and card needs, strengthen relationships, and move past-due accounts toward resolution with AI that understands context, follows policy, takes approved action, and works alongside your teams across every channel.

Get a demo
Customer relationship
Everyday bankingActive relationship
Rewards cardActive relationship
MortgageActive relationship
Digital profileConnected
Context carried forward
  • Relationship history
  • Service history
  • Payment context
  • Current conversation state
Relationship moments
Acquire Open / grow relationship
Serve Resolve account / card needs
Retain Preserve the relationship
Resolve Resolve balance / payment

One customer relationship. Every moment that matters

ALi carries customer context across acquisition, servicing, retention, and collections, so every conversation starts with the relationship already understood.

Relationship context
  • Products & accounts
  • Relationship history
  • Service history
  • Payment context
  • Customer intent
  • Policy / permission context

Context carries forward as the relationship moves from acquisition through service, retention, and resolution.

Acquire · Sales Application path ready
Customer says
“I’m moving my everyday banking and direct deposit. I also want a rewards card that makes sense for frequent travel.”
Known context
  • New-to-bank relationship
  • Everyday banking need
  • Direct deposit move
  • Travel rewards priority
  • Application requirements available
ALi can
  • Understand the customer need
  • Compare approved product options
  • Explain fees, features, and application requirements
  • Collect required information and prepare next steps
  • Route regulated eligibility or approval decisions to existing decisioning systems or human review
Serve · Customer Care Service path resolved
Customer says
“My card was declined while I was travelling, and I don’t recognize one pending transaction. I need to know what happened and what I should do next.”
Known context
  • Existing customer
  • Credit card identified
  • Recent travel
  • Declined transaction
  • Unrecognized pending transaction
ALi can
  • Surface available card and account status after required authentication
  • Explain what is known about the decline
  • Clarify pending versus posted transaction status
  • Follow approved card security or dispute procedures
  • Complete approved service steps or hand off when required
Retain · Retention & Loyalty Retention path accepted
Customer says
“I’ve banked here for eight years, but I’m paying more in fees and another bank is offering me more. I’m thinking about moving my accounts.”
Known context
  • 8-year relationship
  • Multiple products
  • Fee sensitivity
  • Competitive offer
  • Explicit move / closure intent
ALi can
  • Identify the real attrition driver
  • Recognize relationship history and product holdings
  • Resolve service or fee friction where policy allows
  • Surface eligible relationship or retention options
  • Present the best approved path without unsupported promises
Resolve · Collections Resolution path confirmed
Customer says
“I missed my credit card payment after a temporary cash-flow issue. I can pay part of the balance today, but I need to understand my options.”
Known context
  • Past-due card balance
  • Previously current account
  • Partial payment available
  • Payment intent present
  • Servicing / hardship options available for eligibility review
ALi can
  • Confirm the amount due and account status
  • Explain fees or interest using approved account information
  • Capture payment intent
  • Check eligible payment or servicing options
  • Present the approved resolution path or route to a specialist

Turn financial conversations into completed work

ALi Workflow orchestrates approved actions across financial systems, moving a conversation from a stated need to completed work.

Powered by ALi Workflow
Conversation / need
Customer

Customer context
    System actions

      ALi Assist for every financial services team

      ALi Assist works alongside sales, service, retention, and collections teams in real time, surfacing customer context, signals, knowledge, and the best approved next move while the human stays in control.

      Financial services Human agent
      Customer

      Type a reply…
      Send
      ALi Assist
      Customer context
        Signals
          Knowledge source ALi Knowledge

          Recommended move

          Approved actions

            Know what customers are telling you

            ALi Analytics analyzes customer language across acquisition, servicing, retention, and collections conversations to reveal recurring friction, intent, and relationship signals.

            What customers are saying
            “Can I move my direct deposit here?” “My card keeps getting declined.” “I don’t recognize this charge.” “I’m paying too much in fees.” “Another bank is offering me more.” “I can pay part of the balance today.”
            What ALi understands
            Product / acquisition intent
            Card / payment friction
            Transaction dispute intent
            Fee sensitivity
            Relationship churn intent
            Payment intent
            Servicing complexity
            Multi-product relationship
            What the financial services team should act on

            Fee sensitivity and card servicing friction can appear across care, retention, and collections moments, helping teams see where policy clarity and service execution are affecting loyalty, resolution, and payment outcomes.

            Evaluate every financial services conversation at scale

            ALi QA evaluates conversations across sales, service, retention, and collections, giving teams consistent visibility into policy adherence, interaction quality, and what to coach next.

            QA Review Financial Services Policy-aware evaluation
            Conversation reviewed
            Customer“My card was declined, and I don’t recognize a pending transaction from yesterday.”
            Agent“I’ve reviewed the available card and transaction details. I’ll walk you through the approved next steps.”
            Evaluation checks
            Context
            Pass

            Customer context used correctly

            Representation
            Pass

            Card / transaction status represented accurately

            Procedure
            Pass

            Approved servicing and dispute process followed

            Clarity
            Improvement opportunity

            The agent should distinguish what is confirmed from what is still pending before describing the dispute path, so the customer understands what can be resolved now and what requires the next approved step.

            Coaching opportunity

            Clarify what can be verified now, explain the next approved step, and avoid implying that a transaction can be reversed or a dispute decided before policy conditions are met.

            Built to work inside financial controls

            ALi can understand and orchestrate the conversation without stepping outside the policies, permissions, and decision systems that govern financial services.

            Context
            Customer relationship Product / account context Conversation history Current intent
            Control
            Authentication Policy Permissions Decision boundary
            Execution
            Approved action Existing decisioning system Human review

            Credit, underwriting, fraud, investment, and other regulated decisions remain with the authorized systems and people responsible for them.

            One customer. Every channel

            Chat, Messaging, Voice, and Email share the same customer context and journey state so the relationship continues no matter where the conversation happens.

            Customer context
            • Everyday banking
            • Credit card
            • 8-year relationship
            • Current product mix
            • Recent card / service context
            Status Case in progress
            Chat

            “Card issue identified”

            Messaging

            “Transaction context confirmed”

            Voice

            “Approved service or dispute step completed”

            Customer context carries across channels, AI agents, and human handoffs.

            Run financial experiences from ALi Console

            Bring Sales, Customer Care, Retention & Loyalty, and Collections together in one operating layer for knowledge, analytics, real-time assistance, workflow automation, and quality.

            Overview
            Workflow
            Assist
            Knowledge
            Analytics
            QA
            Channels
            Integrations
            Financial Services — Live Monitored
            Governed experiences
            SalesActive
            Customer CareActive
            Retention & LoyaltyActive
            CollectionsActive
            Financial controls
            Product / application rulesActive
            Account servicing proceduresActive
            Card / transaction policyActive
            Dispute / escalation policyActive
            Resolution & payment
            Account / card actionsActive
            Retention offersActive
            Payment / servicing optionsActive
            Human handoffEnabled
            Governance
            QA / evaluationActive
            Approval boundariesActive
            Five modules. One operating layer.
            ALi KnowledgeInforms
            ALi AnalyticsUnderstands
            ALi AssistGuides
            ALi WorkflowActs
            ALi QAImproves

            Measure what matters in financial services

            Measure the customer relationship across growth, service, retention, and recovery.

            Customer growth

            • Application / onboarding completion
            • Product conversion rate
            • Qualified opportunity rate
            • Digital enrollment / activation

            Resolution

            • First-contact resolution
            • Containment
            • Response / handle time
            • Quality / policy adherence

            Retention

            • Relationship retention rate
            • Save rate
            • Product / relationship attrition
            • Repeat contact / escalation

            Recovery

            • Resolution rate
            • Recovery rate
            • Promise-to-pay kept rate
            • Time to resolution

            Transform every moment of the financial relationship

            See how Augmented Labs can help financial services teams acquire customers, resolve account and card needs, strengthen relationships, recover past-due accounts, and improve every conversation.

            Get a demo