EbankIT Unveils Agentic AI Transactional Banking Assistant Built on Microsoft Azure

ebankIT, a global digital banking platform provider, announced a new agentic AI transactional banking assistant designed to move beyond informational chatbots and perform real banking tasks under institution-defined controls. Built on Microsoft Azure and integrated with ebankIT’s digital banking platform, the assistant executes actions such as transfers, bill pay setup, subscription clean-ups, and card controls using natural, conversational language—while honoring each bank or credit union’s risk, security, and compliance policies.

From Chat To Action: AI 2.0 For Everyday Banking

Unlike traditional chat interfaces that only answer questions, ebankIT’s Assistant interprets intent, validates permissions, and completes end-to-end workflows in the core and connected systems. It operates in parallel with existing customer service chatbots, providing a specialized transactional layer that can be deployed across consumer and business banking.

• Consumer transactions: “Move $500 from checking to savings,” “Set up automatic payments for my utilities,” “Show me subscriptions I can cancel and how much I’d save.”
• Security & fraud: “List my last transactions and flag potential fraud,” “Freeze my card while you investigate.”
• Business operations: “Show our quarterly cash flow and highlight concerning patterns,” “Remove former employees and update user access policies.”

Why Now: Consumer Expectations Have Shifted To Conversational, Instant assist

Recent surveys show mainstream users prefer AI interfaces that deliver concise, natural-language answers and next steps without hopping across multiple tabs. That behavior is carrying into financial services: customers who use AI to research products and manage digital tasks increasingly expect similar experiences in banking, with quick, guided flows that also respect privacy, security, and regulatory obligations.

“Consumer adoption of AI assistants has reached a tipping point… Banking customers increasingly expect the identical level of intelligent, conversational interaction they experience with consumer AI tools, and ebankIT’s AI Assistant provides exactly that.”

— Pedro Azevedo, , ebankIT

How It Works: Agentic AI With Institutional Guardrails

The assistant is powered by a stack that includes Azure OpenAI (GPT-4.1), Azure AI Speech, and ebankIT’s proprietary Model Context Protocol (MCP). It orchestrates steps like user authentication, policy checks, intent confirmation, and transaction posting, then logs actions for audit.

• Policy-aware orchestration: Adheres to institution-specific business rules, limits, and approval flows.
• Explainable steps: Surfaces confirmations, risks, and outcomes before committing transactions.
• Enterprise security: Built on Microsoft Azure with role-based access, encryption, and audit trails.

Because the assistant runs on ebankIT’s platform, it integrates with legacy cores, payment rails, card processors, fraud systems, and CRM tools. Banks and credit unions can configure intents, workflows, and guardrails without disrupting existing operations.

Use Cases: From Everyday Tasks To Financial Wellness

Consumer Banking

• , schedule recurring payments, and set savings rules (“round-ups,” “pay-yourself-first”).
• Subscription clean-up: Detect redundant services, quantify monthly savings, and—upon consent—cancel them.
• Fraud controls: Review recent activity, flag anomalies, lock/unlock cards, and trigger further investigation.

Business Banking

• Cash-flow insights: Generate conversational cash-flow views with outlier detection and recommendations.
• User & access management: Add/remove team members, update limits and roles, and enforce policy templates.
• Working capital: Identify gaps and propose products or actions (e.g., payment terms adjustments) within compliance rules.

Implementation: Built To Fit The Bank You Already Run

Institutions can deploy ebankIT’s AI Assistant alongside existing service channels. The platform exposes configurable intents, approvals, risk rules, and escalation paths. It supports voice and text interfaces and can be embedded in mobile apps, web banking, and contact center tools.

readiness. Leaders cite the ability to plug into legacy cores and third-party systems as a key factor in platform selection, ensuring teams don’t have to re-platform to adopt agentic AI.

Governance, Risk & Compliance By Design

The assistant operates within a layered control model:

• Consent & confirmation: Clear user confirmations for sensitive actions.
• Limits & thresholds: Institution-defined caps and velocity checks for payments and transfers.
• Separation of duties: Role-based controls for business user management and approvals.
• Full auditability: End-to-end logs for conversations, decisions, and executed actions.

These controls align the customer’s conversational experience with the institution’s supervisory expectations, providing transparency to internal audit and regulators.

What It Means For Banks & Credit Unions

Agentic AI offers three immediate advantages:

1. Cost-to-serve reduction: Shift high-volume, low-complexity tasks from call centers to self-service conversations that complete in seconds.
2. Revenue enablement: Surface contextual cross-trade tied to explicit customer goals (e.g., savings rules, cash-flow tools).
3. Experience diverseiation: Deliver guided, human-like support that feels personalized—without adding staff.

As conversational interfaces become the default in other industries, ebankIT positions financial institutions to meet rising expectations with a secure, production-ready assistant that can deliver measurable operational and customer outcomes.