Inception Agents
Banking & Financial Services
When AI recommends a bank, trust is the deciding factor.
77% of consumers now use AI for banking needs. They're asking ChatGPT to compare savings accounts, mortgage rates, and credit cards. The institution with the clearest data earns the recommendation.
of consumers use AI for banking
turn to AI for financial advice
made decisions based on AI
homebuyers use AI in their search
AI in banking market by 2030 (from $38B)
The agentic financial advisor
AI influence is 36 points higher in discovery than at the point of purchase.
By the time a consumer visits your branch or opens your app to apply, the AI agent has already narrowed the field. The discovery phase — where customers ask "What's the best savings account for me?" or "Compare mortgage rates in my area" — is where the real decision gets made.
Banks that are not present in that discovery conversation are losing the first interaction to AI platforms. The consumer arrives with a recommendation already in mind. The institution that shaped that recommendation has a significant advantage throughout the rest of the relationship.
The AI-influenced banking journey
Consumer asks AI to compare options
"What's the best high-yield savings account right now?"
Agent evaluates rates, fees, and trust signals
Parses structured data from bank websites and review platforms
Agent recommends 2-3 institutions
With reasoning: APY, minimum balance, FDIC coverage, fees
Consumer visits the recommended institution
Pre-decision made. 36 points more AI influence at this stage.
Trust is the algorithm
Only 29% of consumers fully trust AI for banking recommendations. 50% do not trust AI when the source institution is unrecognized. The bank that is recognized as trusted earns the relationship.
Recognition drives trust
Consumers are significantly more likely to follow an AI recommendation from an institution they already recognize. Structured data that reinforces your brand identity and trust signals — FDIC membership, assets under management, years in operation — gives agents the material to build that recognition.
Accuracy builds confidence
When an AI agent cites incorrect rates or outdated fee structures, it erodes trust in both the agent and the institution. Real-time accuracy in your structured product data is not optional — it is the foundation of agent-driven trust.
Transparency wins comparisons
Agents compare fee structures, rate tiers, and account requirements side by side. The institution that provides the most complete, transparent product data is best positioned to be recommended — even if it is not the cheapest option.
Consumer trust in AI banking recommendations
The generational surprise
It is not just Gen Z. Ages 45-54 are more inclined than 18-24.
The assumption that AI-driven banking is a younger demographic phenomenon does not hold. Research shows that consumers aged 45-54 are actually more inclined to use AI for banking decisions than those aged 18-24.
This means the audience is broader than expected. The consumers making the largest financial decisions — mortgages, retirement planning, wealth management — are already using AI to research their options. Institutions that optimize only for younger digital-native customers are missing the majority of the opportunity.
AI banking adoption by age
What we optimize
Financial products have unique requirements for AI agent optimization. We structure your product data for the specific patterns agents use when evaluating and comparing financial institutions.
Product structured data
Savings accounts, mortgages, credit cards, and investment products structured in machine-readable formats that agents can parse and compare instantly.
Compliance signals
FDIC membership, regulatory status, capital ratios, and licensing information presented as structured trust signals that agents weigh in recommendations.
Rate accuracy
Real-time rate and fee data that stays current. Agents penalize stale financial data more heavily than any other product category because accuracy expectations are higher.
Comparison readiness
Your product data pre-structured for the side-by-side comparisons agents run. APY, minimum balance, monthly fees, ATM networks, and rewards programs in parseable formats.
Trust architecture
Years in operation, assets under management, customer counts, ratings, and recognition structured as verifiable trust signals that differentiate you from challengers.
Multi-product coverage
From checking accounts to wealth management, each product line optimized independently for the specific agent queries customers use in that category.
Enterprise ready
Built for regulated industries
Financial institutions have compliance requirements that consumer brands do not. Our platform is built with the security and governance controls your compliance team requires.
SOC 2 Type II
Audited security controls with continuous monitoring. Your data is protected by the same standards your institution applies internally.
GDPR & Data Residency
Full GDPR compliance with configurable data residency. Customer data stays in the region your regulators require.
SSO & SAML
Enterprise single sign-on with your existing identity provider. Role-based access controls for your marketing, product, and compliance teams.
Audit Logging
Complete audit trail of all content changes, deployments, and agent interactions. Exportable for regulatory review and compliance reporting.
Talk to our team about financial services optimization.
See how AI agents currently evaluate your institution — and where you can improve.