LoyJoy

Agentic Customer Service for banks

The AI Agent for banks: automate service and advice

AI chatbot and voicebot for private, commercial and direct banks, savings banks and cooperative banks: automate account and card service, loan advice, advisor scheduling and card blocking, resolved end to end. DORA-related contractual and governance features, EU hosting, live in 2 to 4 weeks.

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DORA-related contract terms includedEU hostingAccessibility featuresMade in Germany

This is how an agent comes to life with LoyJoy Headless: described in Claude, approved by you, resolved for the customer. Explore LoyJoy Headless

Cooperative and church banks trust LoyJoy

Evangelische Bank logoVolksbank Köln Bonn logoVR TeilhaberBank logoWesterwaldbank logozeb logo

Focus: cooperative banks and Volksbanken

CMS compatibility

Compatible with the accessible CMS by Atruvia

LoyJoy is implemented so that the AI chat integrates into the new accessible CMS by Atruvia. Cooperative banks go live quickly, without a separate integration project. There is no official cooperation between LoyJoy and Atruvia.

Advisory partner

In partnership with zeb

Together with zeb, one of the leading banking consultancies in Europe, LoyJoy supports numerous cooperative banks in digital customer service. Advice, implementation and AI strategy from a single source.

One platform for your bank's customer interface

100+

enterprise customers in the DACH region

DORA

compliant contract design included

2-4

weeks to go live

Since 2018

every technology leap without switching platforms

Why now: AI agents for banks

01

Customers will soon ask through AI agents.

Bank customers ask their AI assistant about accounts, cards and mortgages and will soon send it to block a card or book an appointment. Without agents of your own, the relationship goes to comparison portals and neobanks.

02

Advisors are scarce, volume is not.

Account, card and routine requests tie up the service center and advisors. Agents resolve them end to end, so your advisors gain time for the conversations that matter.

03

Since 2018 without switching platforms.

LoyJoy has kept pace with every technology leap, from GenAI to agentic AI, speech-to-speech and Headless. No customer has ever had to switch platforms.

Use cases: chatbot and voicebot for banks

Six use cases that banks, savings banks and cooperative banks automate with LoyJoy.

1

Account and card service

Balance enquiries, card blocking, PIN changes, IBAN help and transaction questions directly in chat or via voicebot.

2

Loan advice and application flow

Customers are guided to the right financing in chat, terms are explained and qualified requests are handed to advisors.

3

Voicebot for the bank hotline

Card blocking, branch info, advisor scheduling and standard requests handled by phone, including nights and weekends.

4

Online banking help

Reset passwords, activate the app, explain TAN procedures and resolve login issues, with handover to a live agent for sensitive cases.

5

Advisor appointment booking

Customers book advisory appointments directly in chat or by phone, including needs assessment and matching to the right advisor.

6

Product and pension advice

Accounts, cards, building savings, pensions and investments are explained to fit the need and lead to a qualified request.

Built by you, visually or in conversation

Build it yourself, real processes, not just FAQ

Classic website FAQ bots answer questions, nothing more. With LoyJoy, your team builds AI Agents itself, no-code with drag and drop or in conversation with your AI assistant, with over 100 process modules and without an IT bottleneck.

Static FAQ bot

Answer questions, nothing more

  • Answers standard questions but executes no processes
  • Content and answers barely adjustable yourself
  • No connection to voicebot, live chat or existing systems
  • Dependent on the vendor, every extension a project

LoyJoy AI Agent

Self-built, with process depth

  • Over 100 process modules execute real operations, from card blocking to appointment booking
  • Business team builds and changes with drag and drop or in conversation with Claude, prototype in 15 minutes
  • Chat and voicebot from one platform, with live agent handover
  • IT keeps governance, permissions and integrations, the business team gains speed

Our ambition: the simplest enterprise platform for Agentic Customer Service and Sales. We make you fast: live in 2 to 4 weeks, on your own or supported by our delivery team.

Voicebot speech-to-speech (Phone Agent)

The voicebot for your bank hotline

Card blocking at night, advisor scheduling on weekends, standard questions at peak times: our Phone Agents are built on the latest speech-to-speech AI with latency under 500 ms, natural prosody and interruption handling. Classic voicebot pipelines of speech-to-text, LLM and text-to-speech sound mechanical and react with delay. Your customers hear the difference.

Card blocking

Identify the caller and block the bank card around the clock.

Advisor scheduling

Book an appointment with the right advisor over the phone.

Account and branch info

Standard enquiries about accounts, opening hours and branches.

Online banking help

Reset passwords and activate the app over the phone.

Address change

Capture master data in a structured way and hand it over.

Handover to advisor

Seamless transfer with context when a human is needed.

Example dialogue

Caller

I have lost my bank card and would like to block it.

Voicebot

I am sorry to hear that, I will help you right away. Please tell me your name and date of birth and I will block the card directly.

  • Low latency under 500 ms
  • Natural prosody, interruption handling
  • EU hosting, DORA-related contract features

DORA, MaRisk and KWG: compliance and integration

Hosting exclusively in the EU, the chat LLM on our own hardware in a data center in Germany. Connect your systems via the API client and model processes with BPMN, no code required.

Compliance

  • DORA
  • MaRisk
  • KWG
  • GDPR
  • BFSG and EU AI Act
  • EU hosting

Integration

  • Atruvia CMS compatible
  • API client (REST)
  • BPMN workflows
  • Webhooks
  • SSO / customer login
  • Email and SMS
All evidence in the Trust Center

Success case and partnership

Cooperative banks digitalise their customer service with LoyJoy and zeb

Together with zeb, one of the leading banking consultancies in Europe, LoyJoy supports numerous cooperative banks in digital customer service. Answering questions through AI and directly executing service processes are at the heart of it. Solutions that close cases seamlessly in chat delight customers and relieve the service centers.

Read the Westerwaldbank customer story
Customers in front of a cooperative bank branch

Success stories from the banking sector

Banks

Accessible AI banking agent

Evangelische Bank is automating its digital customer service with AI assistant Lila.

Read case

Banks

Westerwaldbank service chat

Westerwaldbank uses Agentic AI on the LoyJoy Platform for AI support, banking processes and live chat in customer service.

Read case

Banks

VR TeilhaberBank AI Agents Internal

Since a merger, the medium-sized VR TeilhaberBank has consistently relied on AI for knowledge management and to facilitate the daily work of all employees.

Read case

Banks

zeb Recruiting Experience

To create a new recruiting experience for their talent acquisition, zeb, one of Europe's leading consulting firms for the financial services industry, implemented a LoyJoy chat on their website.

Read case
All banking cases

Frequently asked questions about the AI chatbot for banks

Which requests will your agents resolve next month?

In 30 minutes, we show you which customer requests your agents can resolve starting next month, with examples from the Evangelische Bank, the Volksbank Köln Bonn and the VR TeilhaberBank.

Request a demoTry 30 days for free