Emscale - An Intellectt Company
Regulated AI for Retail Banking

AI-powered banking service. Built to resolve — and recognize when the clock starts.

NexusAI resolves retail banking servicing contacts across voice, chat, app and IVR — while recognizing regulated events that require immediate capture, escalation and documentation.

Connected Channels
4
Per Contained Contact
$0.72
Contract to Production
4–6 Mo
A banking customer on the phone with her bank, holding her card at the kitchen table
The Cost of Doing Nothing

Every banking contact has a cost.
Some also start a clock.

Routine servicing creates enormous contact-center cost. Regulated events add deadlines, documentation and escalation requirements.

Banking contact-center agents on headsets assisting customers
$13.50Median cost of an agent-assisted contact
10 DaysFederal clock for certain transaction-error notices
+53%Growth in checking and savings complaints
The Third Question

Is this a service request — or does it start a regulatory clock?

Service

The agent resolves

  • Balance and available funds
  • Payment status
  • Card replacement
  • Wire status
  • Payoff amount
A banking service agent on a headset pausing to assess a customer's request
Regulated Event

NexusAI captures & escalates

  • Unauthorized transaction
  • Card dispute
  • Adverse-action question
  • Suspected elder fraud
  • Financial hardship
  1. 1Recognize
  2. 2Capture
  3. 3Timestamp
  4. 4Escalate
  5. 5Document
NexusAI for Retail Banking

One AI runtime for the conversations that matter.

A customer signing in to internet banking on a smartphone
01

Account & Access

Balances, statements, profile updates, authentication and account opening.

A customer making a contactless phone payment at a card terminal
02

Cards & Payments

Card servicing, wire/ACH status, payment scheduling and recurring payments.

A bank advisor reviewing loan documents with customers at a desk
03

Lending & Servicing

Application status, payoff quotes, payment questions and hardship routing.

A customer at a laptop reviewing an on-screen fraud alert
04

Fraud & Disputes

Unauthorized transactions, case status, provisional credit and fraud escalation.

Banking Workflows

From conversation to the right outcome.

A bank customer reviewing unrecognized transactions on his phone with a support specialist

“I didn't make these transactions.”

  1. 1Authenticate
  2. 2Recognize notice of error
  3. 3Timestamp
  4. 4Secure account
  5. 5Fraud escalation
Security & Compliance

Built for the questions your compliance team will ask.

A fingerprint authenticating against a digital security shield

Private-Endpoint LLM Routing

Zero customer or account data sent to public model APIs.

Regulated-Event Routing

Determination-shaped requests stop and route to an authorized person.

Interaction Records

Every interaction retained and exportable in the required format.

Zero-Retention Default

Identifiers redacted before storage.

Supervision & Review

Transcripts, flags and escalations surfaced for review.

Tenant Isolation

Per-customer VPC and model routing.

The Business Case

Turn contact containment into measurable economics.

A financial analytics dashboard with revenue, ratio and profit charts on a desk monitor
Illustrative business case
Illustrative net Year-1 impact
$26.5M
Gross annual saving
$28.4M
Per contained contact
$0.72
Below the $1.84 self-service benchmark
61%

Illustrative mid-size retail bank scenario based on the assumptions in the NexusAI banking business case.

Deploy on Your Existing Stack

AI that works with your banking infrastructure — not against it.

No rip-and-replace. NexusAI sits on the technology your bank already runs while adding an AI runtime designed around banking intents and regulatory boundaries.

Channels
VoiceChatAppIVR
NexusAI
IntentPolicyContextOrchestration
Your Banking Systems
Core BankingCard ProcessorCRM
Authorized Human / Workflow
Ready to Start?

Put AI on your highest-volume banking queue.

Walk through a live servicing use case or scope a pilot around your highest-volume contact type — with compliance involved from the beginning.

Book a Banking AI Demo