Customer experience AI agents for banking & lending
Perspective is the AI-native customer experience platform. AI agents talk to your account holders, borrowers, and applicants, and get to the root cause. Every conversation is analyzed automatically, turned into a prioritized action, and routed to the team that owns it.
We call the result customer momentum.
“Direct deposit setup failed
twice and nobody followed up.”
Automated deposit retry.
Every customer heard back.
One platform across the whole lifecycle, not a separate tool bolted onto each moment.
Replace the static application with a conversation that learns income sources, urgency, and timeline before anyone picks up the phone, so serious applicants get fast-tracked and you find out where the rest drop off.
“What are you hoping to have sorted, and by when?”
Try the Application experience agentUnderstand whether new account holders actually got set up, funded, and using the product, or quietly stalled at step three. Static surveys miss the why behind the drop-off.
“You got approved but never moved the money over. What happened?”
Try the Activation & first 90 days agentCapture how customers really feel at the moments that matter, then turn it into relationships you keep and accounts you grow. Surfaces the risks and openings a survey most customers never finish will always miss.
“Did that actually solve it, or did you just stop asking?”
Try the Service & relationship experience agentReach customers who refinanced, moved their primary banking, or went dormant. Find the real reason beyond the rate, and identify which ones are still winnable back.
“When you moved the loan, was it the rate, or something before that?”
Try the Why customers leave agentOne continuous read across the portfolio, so an emerging issue surfaces as a pattern instead of as a pile of individual complaints.
“Is this the first time, or has it come up before?”
Try the Voice of customer agent01 Discover · text or voice
A conversation follows the thread until it reaches the real reason, grounded in your approved language and escalating rather than improvising. Across the whole portfolio, not just the relationships someone has time to call.
~90% finish a conversation, vs. the ~15% who finish a survey. You hear from the whole base, not just the loud few.
Introducing the Customer Momentum Loop
Five use cases, one system. Each conversation feeds the next decision, so the understanding compounds instead of resetting with every project.
Agents reach applicants, account holders, and borrowers at onboarding, after service, or once they go quiet.
AI agents · chat or voiceConversations become ranked themes by product, segment, and channel.
Customer context · auto insightsOne prioritized call, with the compliance trail behind it.
Action plans · routed to ownersThe fix ships, and the customers who raised it hear back.
Salesforce · nCino · SlackCustomer Momentum
Each turn of the loop closes a little more of the gap between what customers expect and what your products and service actually deliver. That compounding alignment is what we call customer momentum.
Every conversation is recorded, transcribed, and auditable. Agents stay grounded in your approved language and escalate rather than improvise.
Start from a template, or we'll set it up on your own portfolio.