Retail & Commercial Banking

AI employees that run your banking front office.

AI employees that run your banking front office.

AI employees that run your banking front office.

Voice, SMS, chat and email agents that qualify, onboard, service, protect and collect, across every account, card and deposit, in English, Spanish and your customers’ own language, with no added headcount.

THE BANKING JOURNEY, AUTOMATED

Acquire

Qualify leads, book branch visits, revive dormant accounts

Convert

Activate accounts and cards, complete KYC, drive first use

Retain & Expand

Service, cross-sell, protect from fraud, reactivate

Collect

Cure card and overdraft dues early, capture promises to pay

50%

of call volume is routine self-service, contained by AI

35%

of issued cards never get activated. 8loop changes that

45%

fewer no-shows on branch and banker appointments

25%+

higher recovery on early-stage card and overdraft dues

ACROSS THE BANKING JOURNEY

Every banking conversation, handled.

From the first inquiry to the final dollar collected, deploy AI employees wherever conversations drive outcomes, on voice, SMS, chat and email.

20 use cases
Acquire
New-account lead qualification
Answer every inbound lead in seconds, qualify the need and route to the right product or banker.
Voice · SMS · Chat
Acquire
Pre-approved card & product outreach
Reach pre-approved customers, present the offer and trigger issuance, consent and opt-out aware.
Voice · SMS
Acquire
Branch & banker appointment booking
Book, confirm and remind for branch or relationship-manager visits, cutting no-shows up to 45%.
Voice · SMS
Acquire
Dormant-lead reactivation
Work aged and cold lead lists at scale, re-warm interest and re-book, without adding callers.
Voice · SMS
Convert
Account activation & first funding
Nudge opened-but-unfunded accounts to fund and transact. The first two weeks decide lifetime activity.
SMS · Voice
Convert
KYC / CIP completion
Collect documents and verify identity to clear the biggest onboarding drop-off, without the branch trip.
SMS · Chat
Convert
Card activation & PIN set
Activate mailed cards and set PINs in under a minute, so the cards that sit unused come alive.
Voice · SMS
Convert
Auto-pay & mandate setup
Register ACH auto-pay mandates at onboarding to stop downstream missed payments.
SMS · Chat
Retain & Expand
Inbound support & FAQ resolution
Resolve balance, transaction, branch, product and how-to questions instantly on voice, chat and text, 24/7, deflecting routine calls.
Voice · SMS · Chat
Retain & Expand
Transaction dispute & chargeback intake
Capture unauthorized or incorrect charges, open the case, set expectations and track it to resolution across channels.
Voice · SMS · Chat
Retain & Expand
Lost or stolen card, block & reissue
Block instantly when a customer reports a lost or stolen card, hotlist it, reissue and secure the account, 24/7.
Voice · SMS · Chat
Retain & Expand
PIN, password & access reset
Reset PINs, passwords and online-banking access securely with step-up verification, one of the top inbound call drivers, contained.
Voice · SMS · Chat
Retain & Expand
Service-request status tracking
Answer "where is my card, dispute or request" with live status, cutting repeat inbound calls.
Voice · SMS · Chat
Retain & Expand
Fraud alert verification
Proactively confirm suspicious transactions and block or reissue in under 60 seconds, then open the dispute.
Voice · SMS
Retain & Expand
CD maturity & deposit cross-sell
Renew CDs at maturity and turn idle balances into deposits and the next best product.
SMS · Voice
Retain & Expand
Complaint follow-up & NPS
Log complaints 24/7, update to SLA and capture NPS to save at-risk relationships.
Voice · SMS
Collect
Card dues, pre-delinquency
Remind before the due date in a service tone, so customers pay on time and avoid late fees.
SMS · Voice
Collect
Early-bucket collections, 1 to 60 DPD
Understand the reason, capture a promise to pay and cure accounts before they roll. Up to 25% more recovery.
Voice · SMS
Collect
Promise-to-pay & pay-link
Secure a commitment and send a one-tap card or ACH pay link at the exact moment of intent.
Voice · SMS
Collect
Overdraft & returned-payment recovery
Recover overdrawn accounts and bounced ACH payments before small negatives become charge-offs.
Voice · SMS

OMNICHANNEL, WITH SHARED MEMORY

One AI employee across every channel.

Voice, SMS, chat and email, backed by a single memory of each customer, so context carries across every conversation and no one has to repeat themselves.

Voice

Inbound and outbound calls that sound human, in English, Spanish and 20+ languages, on your existing cloud telephony.

SMS / text

Reminders, document requests, payment links and two-way support by text, the channel customers actually read.

Live chat

On-site and in-app chat that resolves, deflects and captures leads around the clock.

Email

Formal confirmations, statements and follow-ups, tied into the same customer memory.

TCPA & FDCPA compliant

Reg E & Reg Z aware

KYC / CIP verification

Consent + full audit trail

India-ready (RBI/DPDP)

Questions banking teams ask

Does it speak Spanish and other languages?

Yes. Agents handle English, Spanish and 20+ languages, and switch mid-conversation, which lifts answer and containment rates. Hindi and other languages are supported for global teams too.

How fast can we go live?

Days, not months. 8loop sits on top of your existing cloud telephony, CRM and core systems, with no rip-and-replace.

Is it compliant?

Flows respect TCPA, FDCPA and Reg E in the US, with prior express written consent, calling-hour windows, DNC scrubbing, recordings and full audit trails, and they extend to India’s RBI and DPDP rules when you operate there.

Will it replace my team?

No. It handles the high-volume, repetitive conversations and hands complex or sensitive cases to your people with full context.

What does it integrate with?

Your dialer, CRM, core banking, card management, collections and payment stack. If your team uses it, the AI employee can too.

SEE IT ON YOUR OWN QUEUE

Put an AI employee on your busiest banking queue.

Bring one high-volume banking workflow. We will show you an AI employee handling it live, in your languages, on your stack.