Banking AI agents for Manchester's digital banks, lenders and building societies.

A conversational assistant inside your iOS and Android app answers questions about transactions, cards, limits and features, using the customer's own data through your existing authentication. It can freeze a card or update a contact preference when your rules allow, and hands disputes, complaints and anything sensitive to a person with context attached.

The agent collects the transaction record, merchant details and the customer's explanation, checks the dispute against card scheme reason codes and your policy, and drafts the case for a disputes analyst. Evidence requests to customers go out in plain language, and deadlines are tracked automatically.

For each alert, the agent gathers account history, counterparties, linked customers and previous alerts, writes a structured narrative, and proposes whether the activity looks explainable. Your analysts decide whether to close the alert or escalate to the nominated officer, and the agent never drafts or files a suspicious activity report on its own authority.

Before a collections colleague contacts a customer who has missed payments, the agent prepares a short brief: arrears history, previous arrangements, recent contact attempts and any vulnerability notes. It drafts a first message in a supportive tone that your policy approves, and the colleague decides whether to send, edit or call instead.

For building societies and lenders working with North West brokers, the agent tracks each application, reads incoming payslips and valuations, identifies what is missing, and gives brokers accurate status updates. Underwriters receive a tidy file and keep every lending decision.

With the customer's consent through a regulated account information provider, the agent categorises income and spending, highlights irregular items, and summarises affordability for a lending colleague. It explains each figure it uses, so the underwriter can check the reasoning rather than trust a score.

For engineering teams, the agent reads alerts, logs and runbooks during an incident, suggests likely causes, drafts updates for stakeholders and records a timeline. Engineers stay in control of every action. Afterwards, it prepares a draft review that feeds your operational resilience evidence.

Colleagues ask questions in the chat tool they already use and get answers drawn from your approved policies and procedures, with a link to the source paragraph. Questions it cannot answer go to the policy owner, and gaps are logged so documentation improves over time.

Before marketing copy reaches your approver, the agent checks it against your financial promotions checklist: balanced presentation of benefits and risks, prominence of key information, and whether the claims are fair, clear and not misleading. Your approver makes the final call and the agent keeps the review record.

Consumer Duty asks firms to test that customers understand their communications. The agent reviews letters, emails and in-app messages for reading difficulty, jargon and missing information, and suggests clearer wording. Results support, but do not replace, testing with real customers.