Bringing Agentic AI to Banking

A Smarter Approach to AI in Financial Services

Artificial intelligence is evolving. Fast. We’re moving beyond basic chatbots and scripted responses into a new generation of AI that can reason, act, and adapt in real-time.

At Posh, our mission has always been to help financial institutions deliver better service through intelligent automation. Now, we’re entering the next phase: integrating agentic AI — technology that doesn't just respond, but understands, decides and follows through.

What does that mean for banks and credit unions? Smarter conversations. More autonomy for your customers. And less manual work for your team.

What Exactly Is Agentic AI?

“Agentic AI” is an emerging term describing systems that are not just intelligent, but also autonomous, adaptable and increasingly behave more like human collaborators. Unlike earlier models, agentic AI can take initiative and follow through on tasks in real-time, making the leap from passive responder to active partner.

But a term only matters if it delivers real value, measurable outcomes for customers and meaningful productivity gains for those serving them. 

At Posh, agentic AI isn’t just hype, it’s already happening. We’re building banking AI from the ground up to adapt, clarify intent, take smart actions and stay aligned with the goals of financial institutions and their customers.

In short: we’re not chasing the label. We’ve been focused on building what the label should stand for.

Why It Matters for Banking

Your staff is overextended. Your customers expect quick, accurate answers. And your systems are complex.

Agentic AI is purpose-built to bridge those gaps, by making your digital channels smarter, more helpful and more efficient. Here’s how:

• More Natural Conversations - Leveraging the reasoning ability of LLMs to enable smarter language understanding and a more human-like "chattiness," including in other languages like Spanish.‍

• Topic Verification & Clarification - If the AI isn’t sure what a customer means, it asks. No more guessing or frustrating dead ends.‍

• Tailored, Context-Aware Responses - Responses now adjust based on user history, session behavior and digital context, like the information that's available on your website.‍

• Knowledge Integration - Answers are grounded in your own documents and site content — kept up to date with retrieval-augmented generation (RAG).‍

• Smart Actions - AI can take next steps like verifying a customer only when necessary, routing a call to the right department or sending a follow-up message automatically.‍

• Transparent Decision-Making - Agentic AI shouldn't be a black box. Financial institutions need to understand why the AI did what it did, and how to refine that behavior. Transparency allows you to double down on what works and course-correct what doesn’t.‍

• Secure Self-Service Banking Tasks - From authentication to account lookups, we support secure, private and effective self-service, out of the box.‍

• Best-in-Class Voice Experience - With state-of-the-art AI voices and optimized, real-time speech recognition, Posh's Voice experience feels smoother, faster and more human-like than ever.

Responsible Innovation Comes First

We don’t rush to announce, we deliver when it’s ready.

That means we roll out agentic capabilities thoughtfully, with a focus on:

• Human oversight
• Data privacy
• Compliance and auditability
• Transparent decision-making

You maintain control with the tools to track, analyze and improve AI behavior over time. The result? Smarter service, stronger outcomes and systems you can trust.

Join Us April 30: See It in Action

Webinar: The AI Journey: Understanding Agentic AI and What It Means for Financial Institutions
Date: April 30th
Register here.

In this session, we’ll break down what agentic AI really means for banks and credit unions, show real-world demos and highlight how you can implement these tools without compromising compliance, trust or clarity.