Conversational AI chatbot in action at the ebankIT Summit

The future of banking is conversational

At the ebankIT Summit, one of the

The future of banking is conversational

At the ebankIT Summit, one of the most exciting sessions focused on the growing role of conversational AI in banking. With digital transformation accelerating across the financial sector, AI is no longer a futuristic concept, it’s a practical tool reshaping how banks interact with customers.

During the session, it was showcased a live demo of ebankIT's AI assistant, Kim, to highlight real, functional use cases that are already making a difference.

According to industry forecasts, by 2030, over 80% of banking transactions will be handled by AI-driven technologies. This reflects a major shift in user behavior—customers increasingly prefer digital self-service over speaking with human agents or visiting branches. Conversational banking is becoming the new standard.

From chatbots to smart assistants

ebankIT's AI assistant, Kim, is designed to work seamlessly across desktop, mobile, and voice interfaces. In the demo, we showed how users can check their account balances, view remaining credit, and even interact with Kim while driving, all through voice commands.

But Kim isn’t just about convenience, she’s capable of handling real banking tasks. From initiating transfers and simulating mortgage loans to analyzing expenses and detecting duplicate payments, Kim brings smart automation to everyday banking.

Her ability to understand context and retrieve financial data makes interactions smooth and personalized. Interactive features like expense charts help users visualize their spending and make informed decisions.

The technology behind the AI assistant

Kim is powered by a robust tech stack, including Azure OpenAI GPT-4.1, Azure AI Speech, and our proprietary Model Context Protocol (MCP).

MCP enables session awareness, allowing Kim to tailor responses based on each user’s financial context. All interactions run within ebankIT’s secure, API-backed architecture, ensuring compliance and data protection.

Importantly, Kim is designed with a human-centric philosophy. Her tone is friendly and natural, and she adapts to each user’s preferences.

Whether through text or voice, Kim supports users in a way that feels intuitive and accessible. She’s not here to replace people, she’s here to empower them, making banking faster, smarter, and more personal.