# Best AI Conversational AI Software for Banks (2026)

Source: https://www.bankingnewsai.com/ai-tools/conversational-ai
Last updated: Sep 24, 2026

## What should a bank look for in AI conversational ai software?

Conversational AI for banks covers customer-facing assistants in the app and on the phone, AI agents that complete tasks such as a card replacement or a transfer, and contact-centre tools that summarise calls and guide human agents. Banks buy it as a hosted platform priced per seat, per conversation or per account. The questions that separate vendors are banking-specific actions behind authentication, escalation to a human, accuracy controls on generated answers, and complaint and dispute recognition.

## Buyer criteria

Observations, not advice.

### Actions, not only answers

An assistant that can move money or change a card needs integrations with the core and digital platform and step-up authentication. Check which transactions are live for customers today.

### Handing off to a human

Regulators have warned about customers trapped in chatbot loops. Check how and when the assistant escalates, and whether the human agent sees the conversation.

### Controls on generated answers

Generative models can state wrong fees or policies. Ask how answers are grounded in approved content and how errors are caught.

### Pricing unit

Seat-based contact-centre pricing, per-conversation pricing and per-account pricing produce very different bills as usage grows.

## Which rules apply to a bank using AI conversational ai software?

| Rule | Why it applies | Documents |
| --- | --- | --- |
| CFPB chatbot expectations | The CFPB's 2023 spotlight warns that chatbots that give wrong information, miss disputes or block access to a human can breach consumer law. | [CFPB Chatbots in Consumer Finance (issue spotlight, 2023)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-chatbots-in-consumer-finance-2023) |
| Generative AI risk | NIST's Generative AI Profile lists confabulation and information-integrity risks that apply to customer-facing assistants. | [NIST AI 600-1 (Generative AI Profile)](https://www.bankingnewsai.com/ai-regulation/documents/nist-ai-600-1) |
| Third-party risk management | A hosted assistant handling customer data is a third-party relationship under the 2023 interagency guidance. | [OCC Bulletin 2023-17](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2023-17), [FDIC FIL-29-2023](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-29-2023) |

## How do the AI conversational ai vendors compare?

| Vendor | What it does | Deployment | Pricing model | Published price | Banks among the 100 | Founded · ownership |
| --- | --- | --- | --- | --- | --- | --- |
| [Kasisto](https://www.bankingnewsai.com/vendors/kasisto) | Banking-specific conversational and agentic AI (KAI, KAIgentic, KaiGPT) for digital assistants and staff; part of Backbase since June 2026. | SaaS (cloud); the KaiGPT model can also run in the bank's own cloud or on premises; since June 2026 sold inside Backbase's Banking OS | Sales-led subscription (cloud); since June 2026 sold through Backbase's Banking OS | Not published | 1 | 2013 · Acquired by Backbase, the Amsterdam-based banking-software company, announced and completed June 23, 2026 for an undisclosed amount |
| [Glia](https://www.bankingnewsai.com/vendors/glia) | Contact-centre and AI platform for banks and credit unions: voice and digital AI agents, staff copilot, outbound AI and CRM. | SaaS (cloud), integrated with digital-banking and core platforms such as Q2 | Fixed-price subscription tiers based on channels, automation goals and institution needs; unlimited seats and usage | Not published | 3 | 2012 · Private |
| [interface.ai](https://www.bankingnewsai.com/vendors/interface-ai) | Voice, chat and employee AI agents (BankGPT) and an agentic contact centre (Nexus) for credit unions and community banks. | SaaS (vendor-hosted real-time AI platform with pre-built banking integrations); can be layered on third-party CCaaS systems | Sales-led subscription; not published | Not published | 0 | 2019 · Private |
| [Talkdesk](https://www.bankingnewsai.com/vendors/talkdesk) | Cloud contact centre with AI agents (Autopilot, Copilot, voice biometrics) and a Financial Services Experience Cloud for banks. | SaaS (cloud contact centre); also purchasable through the Microsoft Azure marketplace from September 2026 | Per user per month, by edition; AI products and add-ons quoted separately | Not published (prices shown for Talkdesk contact-center editions (AI agents such as Autopilot are quoted separately) on the vendor page) | 3 | 2011 · Private and founder-led |
| [Personetics](https://www.bankingnewsai.com/vendors/personetics) | AI that turns bank transaction data into personalised insights, advice and offers in the bank's app, plus tools for relationship managers. | SaaS (fully managed on Personetics' Azure private cloud) or on-premises; also embedded in digital-banking platforms such as Fiserv Experience Digital | Enterprise licence, sold directly or through digital-banking platform partners; SaaS or on-premises | Not published | 5 | 2011 · Private |
| [Eltropy](https://www.bankingnewsai.com/vendors/eltropy) | Texting, video, chat and AI voice and agent platform for credit unions and community banks, plus collections and payments tools. | SaaS (cloud communications platform for credit unions and community banks) | Sales-led subscription; not published | Not published | 0 | 2013 · Private |
| [Backbase](https://www.bankingnewsai.com/vendors/backbase) | AI-native Banking OS layered over a bank's core for channels, staff and AI agents; owns Kasisto's conversational AI since June 2026. | Platform layer above the bank's existing core, payments, cards, risk and CRM systems; delivered directly and through partners | Sales-led enterprise platform contracts; not published. | Not published | 1 | 2003 · Private and founder-led |

Bank counts are banks among the 100 largest US banks on this site named as customers, each sourced on the vendor page. Prices are shown only where the vendor publishes them for the AI product itself; a price for another product is listed on the vendor's page, not here.

## FAQ

### What do banks use conversational AI for?

Answering account and product questions in the app, authenticating and routing callers, completing simple transactions, and in the contact centre summarising calls and suggesting next steps to human agents.

### How is conversational AI priced?

By seat for contact-centre tools, by conversation or resolution for assistants, or by account or member for platforms sold to banks and credit unions. The comparison table shows a published price only where the vendor's own site lists one.

### Which AI conversational ai vendors are compared here?

Kasisto (Banking-specific conversational and agentic AI (KAI, KAIgentic, KaiGPT) for digital assistants and staff; part of Backbase since June 2026); Glia (Contact-centre and AI platform for banks and credit unions: voice and digital AI agents, staff copilot, outbound AI and CRM); interface.ai (Voice, chat and employee AI agents (BankGPT) and an agentic contact centre (Nexus) for credit unions and community banks); Talkdesk (Cloud contact centre with AI agents (Autopilot, Copilot, voice biometrics) and a Financial Services Experience Cloud for banks); Personetics (AI that turns bank transaction data into personalised insights, advice and offers in the bank's app, plus tools for relationship managers); Eltropy (Texting, video, chat and AI voice and agent platform for credit unions and community banks, plus collections and payments tools); Backbase (AI-native Banking OS layered over a bank's core for channels, staff and AI agents; owns Kasisto's conversational AI since June 2026). More vendors in this category are being added as their pages are researched and sourced.

Other categories: [Fraud detection](https://www.bankingnewsai.com/ai-tools/fraud-detection) · [AML compliance](https://www.bankingnewsai.com/ai-tools/aml-compliance) · [Credit decisioning](https://www.bankingnewsai.com/ai-tools/credit-decisioning) · [Document AI](https://www.bankingnewsai.com/ai-tools/document-ai) · [Enterprise AI assistants](https://www.bankingnewsai.com/ai-tools/enterprise-ai-assistants) · [Model risk and AI governance](https://www.bankingnewsai.com/ai-tools/model-risk-governance) · [Banking platforms](https://www.bankingnewsai.com/ai-tools/banking-platforms) · [all AI tools for banks](https://www.bankingnewsai.com/ai-tools)

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