Is a chatbot for banks DORA-compliant?

Yes. LoyJoy provides DORA-compliant contract design with audit rights and reporting. The platform hosts exclusively in the EU, is GDPR-, BFSG- and EU-AI-Act-compliant and supports your supervisory requirements under DORA and KWG. DORA gradually replaced the BAIT circular as of 17 January 2025.

Does the chatbot work with the Atruvia CMS?

Yes. LoyJoy is compatible with the new accessible CMS by Atruvia and can therefore be deployed on a Volksbank website without a separate integration project. There is no official cooperation between LoyJoy and Atruvia.

Which cooperative banks use LoyJoy?

Among others, the Evangelische Bank, the Volksbank Köln Bonn and the VR TeilhaberBank Nürnberg. Together with the banking consultancy zeb we support numerous further cooperative banks.

What sets LoyJoy apart from a classic voicebot?

Classic voicebots use a pipeline of speech-to-text, LLM and text-to-speech. That sounds mechanical and reacts with noticeable delay. LoyJoy is built on the latest speech-to-speech AI with latency under 500 ms, natural prosody, interruption handling and EU hosting. Your customers hear the difference.

How does LoyJoy support MaRisk and KWG requirements?

LoyJoy is designed for the supervisory IT requirements of banking supervision, supports your risk management in line with MaRisk and is aligned with KWG requirements. DORA-compliant contracts with audit rights and reporting are included.

How quickly is the first use case live?

First prototypes often emerge in the no-code editor within 15 minutes. The production go-live with integration into existing systems and fine-tuning of the AI responses typically takes 2 to 4 weeks.

Can the AI Agent handle complex advisory processes?

Yes. Through the BPMN workflow engine you model complex processes such as loan advice, application flows and advisor scheduling. For particularly sensitive cases the AI Agent hands over seamlessly with context to an advisor in live chat.

Agentic Customer Service for cooperative banks

The AI Agent for cooperative banks: automate service and advice

AI chatbot and voicebot for cooperative banks and Volksbanken: automate account and card service, loan advice, advisor scheduling and card blocking, resolved end-to-end. Compatible with the accessible CMS by Atruvia. DORA-compliant, EU hosting, productive in 2 to 4 weeks.

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DORA-compliant includedEU hostingAccessible (BFSG)Made in Germany

Cooperative and church banks trust LoyJoy

Customer story →

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

15 min

to the first prototype in the no-code editor

AI chatbot for cooperative banks: why now

Cooperative banks and Volksbanken face a double pressure. On one side, customers expect answers in seconds, around the clock, across chat and phone. On the other side, complexity rises through branch networks, advisor scarcity and regulation. An AI Agent answers account, card and advisory requests end-to-end, handles card blocking by voicebot and frees the service center for complex matters.

LoyJoy is the European platform for Agentic Customer Service. Designed for banking requirements: DORA-compliant contract design with audit rights included, support for MaRisk and KWG requirements, EU hosting, BFSG-compliant. Compatible with the accessible CMS by Atruvia.

Use cases: chatbot and voicebot for banks

Nine use cases that cooperative banks and Volksbanken automate with LoyJoy.

Account and card service

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

Loan advice and application flow

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

Voicebot for the bank hotline

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

Online banking help

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

Address and master data changes

Address changes, new bank details and tax ID updates captured in a structured way and passed to your core banking system.

Advisor appointment booking

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

Product and pension advice

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

Lead generation and cross-selling

Active customers are pointed to relevant add-on products in the dialogue, with marketing consent captured GDPR-compliant.

Live agent handover to advisors

Complex matters are handed seamlessly to advisors in live chat, including conversation context. Also asynchronously by ticket.

No-code for your business team

Build it yourself, real processes, not just FAQ

Classic website FAQ bots answer questions, nothing more. LoyJoy is a no-code platform: your team builds, changes and extends AI Agents itself, with over 100 process modules, 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
The business team builds and changes by drag-and-drop, 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

The simplest enterprise platform for Agentic Customer Service. Enterprise depth in compliance and integration, self-service simplicity in building and changing.

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-compliant

DORA, MaRisk and KWG: compliance for cooperative banks

Banks are under strict supervision by BaFin. LoyJoy hosts exclusively in the EU, runs AI models in the EU and encrypts data in transit and at rest. The platform is compliant with GDPR, BFSG and the EU AI Act and supports you in meeting your supervisory requirements under DORA and KWG. DORA gradually replaced the BAIT circular as of 17 January 2025. DORA-compliant contract design with audit rights and reporting is included.

DORA

Digital operational resilience, audit rights and reporting included.

MaRisk

Supports your risk management in line with BaFin requirements.

KWG

Designed for supervisory requirements under the German Banking Act.

GDPR

Data processing agreement, DPIA and EU data sovereignty.

BFSG and EU AI Act

Accessibility and transparency obligations.

EU hosting

Data and AI models exclusively in the EU.

Integration into your banking IT

LoyJoy is compatible with the new accessible CMS by Atruvia and therefore quickly deployable on the website of any Volksbank. Through the LoyJoy API client you connect additional systems, provided a REST API or comparable interface is available. Workflows are modelled with the BPMN engine without code, and IT keeps governance, permissions and integrations.

Atruvia CMS compatible
API client (REST)
BPMN workflows
Webhooks
SSO / customer login
Email and SMS

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

Accessible AI banking agent

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

Westerwaldbank service chat

Westerwaldbank uses LoyJoy for AI support, live chat and over 30 automated processes in banking customer service.

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.

zeb Banking Studies Chat

zeb's banking consultants now conduct their studies via chat with LoyJoy, attracting significantly more respondents and gaining deeper market insights.

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.

All banking cases

ROI calculator for banks

Calculate your concrete savings potential based on your contact volume, average handling time and automation rate. Based on real LoyJoy projects from the banking sector.

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Frequently asked questions about the AI chatbot for banks

: Yes. LoyJoy provides DORA-compliant contract design with audit rights and reporting. The platform hosts exclusively in the EU, is GDPR-, BFSG- and EU-AI-Act-compliant and supports your supervisory requirements under DORA and KWG. DORA gradually replaced the BAIT circular as of 17 January 2025.
: Yes. LoyJoy is compatible with the new accessible CMS by Atruvia and can therefore be deployed on a Volksbank website without a separate integration project. There is no official cooperation between LoyJoy and Atruvia.
: Among others, the Evangelische Bank, the Volksbank Köln Bonn and the VR TeilhaberBank Nürnberg. Together with the banking consultancy zeb we support numerous further cooperative banks.
: Classic voicebots use a pipeline of speech-to-text, LLM and text-to-speech. That sounds mechanical and reacts with noticeable delay. LoyJoy is built on the latest speech-to-speech AI with latency under 500 ms, natural prosody, interruption handling and EU hosting. Your customers hear the difference.
: LoyJoy is designed for the supervisory IT requirements of banking supervision, supports your risk management in line with MaRisk and is aligned with KWG requirements. DORA-compliant contracts with audit rights and reporting are included.
: First prototypes often emerge in the no-code editor within 15 minutes. The production go-live with integration into existing systems and fine-tuning of the AI responses typically takes 2 to 4 weeks.
: Yes. Through the BPMN workflow engine you model complex processes such as loan advice, application flows and advisor scheduling. For particularly sensitive cases the AI Agent hands over seamlessly with context to an advisor in live chat.

Resources for banks

Ready for an AI Agent in your bank?

We will show you in 30 minutes how LoyJoy runs in production at the Evangelische Bank, the Volksbank Köln Bonn and the VR TeilhaberBank.

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