Don't fight the back door. Open the front door.

Turn intent into compliant action.

Customers already take their bank statements to ChatGPT, Gemini and Claude to plan a mortgage, cut fees and decide where their money goes next. AEL, 42A's Agentic Engagement Layer, is the secure, consented gateway that lets those assistants work with your bank directly: live data, your rules and disclosures built in, and a path to real offers, applications and advisors.

Explore the customer flow ↓
  1. Secure, consented gateway
  2. Your rules + disclosures
  3. Live data, no exports
  4. Intent becomes opportunity

01 / The opportunity

Customers already take their data to AI. Through the back door.

A customer, in their assistant, right now

“Here are my last three bank statements. Can I afford a mortgage?”

They download statements and paste them into an assistant: raw account data, no consent trail, no guardrails on the advice, no record of what was said. Worse, the bank misses the signal. A customer just told an AI they want a mortgage, the most valuable moment in the relationship, and you never see it. You can't block the back door. You can open a governed front door.

02 / Watch the film

Don't fight the back door. Open the front door.

In 80 seconds: how a secure, consented gateway gives customers better service in their assistant, and gives the bank control, compliance and a new growth channel.

Open the front door · 1:21

03 / Compliance by design

One standard. Every AI channel.

Each response passes through your approved knowledge, policy and disclosure rules before it reaches a customer, wherever the conversation starts.

Customer asks · any AI channel

“Can I overpay my mortgage this year without an early repayment fee?”

WebsiteChatGPTGeminiClaude
  1. 01 Knowledge
    • Mortgage T&Cs v4.2, approved
    • Overpayment allowance: 10% a year
  2. 02 Policy
    • Jurisdiction: UK residential
    • No personal financial advice
  3. 03 Disclosure
    • Terms depend on the agreement
    • Source cited in the answer
Governed outcome
  • Answer Permitted answer, disclosure attached
  • Act Pre-filled overpayment journey
  • Escalate Licensed advisor, full context

Trail #A-2291 · sources, rules and disclosure recorded

01

Ground

Only current, approved product, rate and policy knowledge from your bank.

02

Check

Jurisdiction, eligibility, permissions and required disclosures first.

03

Control

Answer, open the right journey or escalate, with a traceable decision trail.

Your compliance and legal teams remain the source of authority. 42A makes their rules operational across every AI interaction.

04 / The customer flow

From a question to a governed next step.

Every step applies your rules, and every step leaves a record your compliance team can read.

  1. 01 / 03 INTENT

    See the signal

    Recognize what sits behind the question as it happens: comparing accounts, planning a mortgage, cutting fees, moving money, asking for help. The moment the back door hides becomes one your bank sees.

    Carries → Product · goal · jurisdiction

  2. 02 / 03 GOVERN

    Govern the response

    The customer consents, and your bank decides what is shared and how it is answered: live account data, eligibility, jurisdiction and required disclosures. No exports, no guesswork, and unsupported claims never leave the gateway.

    Carries → Approved facts · disclosures

  3. 03 / 03 CONTROL

    Answer, act or escalate

    Deliver the permitted answer, a pre-approved offer or a pre-filled application, or hand off to the right advisor with full context and a traceable trail.

    Carries → Decision trail · advisor context

What changes

Better service. Better business.

  1. 01
    Better service Answers, offers and help, right inside the customer’s assistant.
  2. 02
    Control You decide what is shared, with whom, and on what consent.
  3. 03
    Compliance Sources, rules and disclosures are recorded for every answer.
  4. 04
    Growth High-intent moments become offers, applications and served customers.

05 / Works with your stack

Connected to the systems banking teams already run.

42A connects to the agent channels, customer data and commerce systems you already use. No rebuild, no migration.

Banking & lending Temenos

Give AI assistants consented, live answers from your core banking system.
Banking & lending Fiserv

Connect Fiserv cores and card platforms to governed AI conversations.
Banking & lending nCino

Turn mortgage and lending intent into nCino applications.
Banking & lending Backbase

Continue AI journeys in your Backbase digital banking app.
Banking & lending Plaid

Use consented open-banking data in governed AI journeys.
Banking & lending Pega

Let Pega decide the next best action in every AI conversation.
Customer intelligence Salesforce

Unify customer context, service history and approved next actions.
Service & engagement Genesys Cloud

Route AI-originated journeys into Genesys with the full story.
Customer intelligence Okta Customer Identity

Let customers securely link their account to any AI assistant.

See all integrations →

FAQ / Banking questions

What teams ask about 42A for Banking.

Clear answers about how 42A connects context, systems and customer action.

01

Who is 42A for Banking built for?

Retail and commercial banks, digital banks, building societies, credit unions and lenders that need to control how their brand answers and acts across AI channels.

02

How does 42A personalize the banking journey?

It connects three steps in one continuous flow: understanding the intent, governing the response, and answering, acting or escalating. The experience responds to real intent and consented context, while your approved knowledge, eligibility and business rules stay in control.

03

Where does 42A fit in the customer journey?

Between the first question and the next meaningful action. For banking, that means carrying context from understanding the intent through to answering, acting or escalating, without making the customer restart.

04

What outcomes can a banking team measure?

Better service, control, compliance and growth. 42A also preserves journey-level signals, so you can see how intent, context and actions contribute to those outcomes.

05

Customers already paste bank statements into AI. Why not just block it?

Because you can't. That back door is open today: raw account data, no consent trail and no guardrails on the advice, and the bank never sees the intent behind it. 42A opens a front door instead. Customers connect their assistant to your bank through a secure, consented gateway, the assistant gets live, accurate data with no exports, and your bank sees signals like mortgage intent as they happen.

06

Which banking systems does 42A connect to?

The systems banks already run: core banking such as Temenos, Fiserv, FIS, Finastra and Mambu; lending and mortgage origination such as nCino; digital banking such as Backbase; open-banking data through Plaid; decisioning such as Pega; CRM such as Salesforce and Dynamics 365; contact centers such as Genesys and NICE CXone; and customer identity such as Okta for secure account linking. Each connection uses the vendor’s documented APIs and your existing permissions.

07

How does 42A govern answers across AI channels?

42A applies the same approved, versioned knowledge, jurisdiction, eligibility, disclosure and escalation rules whether the customer engages on your website, ChatGPT, Gemini, Claude or another personal assistant. It can restrict unsupported claims, attach required disclosures, route sensitive requests to authenticated flows or qualified specialists, and retain the policy and source trail used for review.

42A for Banking

Open the front door.

See how a secure, consented gateway turns AI conversations into governed answers, offers and applications across every AI channel.

See the solutions →