Automation that holds up to an audit
In financial services the constraint isn't whether AI can answer — it's whether you can prove what it did, why, and under whose authority. Gimiq logs every action, redacts what it shouldn't store, and stops at the line you draw between service and advice.
- Every AI action written to an immutable audit log
- PCI-safe capture keeps card data out of transcripts
- Regulated-advice topics blocked, not improvised
The constraints that make this different
Every automation decision in this sector has a compliance question attached. These are the ones that come up first.
Service versus advice
The line between explaining a product and recommending one is a regulatory boundary, and a general-purpose bot will cross it.
Everything must be evidenced
If you cannot show what was said, what was changed and on whose authority, the automation is a liability rather than a saving.
Card data can't be stored
Payment details spoken on a call or typed into a chat land in transcripts and recordings unless the capture path is designed around it.
Identity comes first
Nothing account-specific can be discussed until the caller is verified, and the verification itself has to be recorded.
Fraud calls can't queue
A card-block request at 3am is time-critical, and hold music during a suspected fraud event is a complaint in the making.
Vulnerable customers need a human
Financial distress signals must be detected and routed to trained staff, not processed as a routine servicing request.
How the guardrails actually work
Compliance is configured up front, then enforced on every single interaction rather than sampled afterwards.
Verify before anything else
Knowledge-based or OTP verification runs first, is logged as its own event, and gates every account-specific action that follows.
Constrain the action set
The agent gets an explicit list of permitted actions — block a card, explain a fee, send a statement — and can do nothing outside it.
Redact at capture
Card numbers, national IDs and security answers are masked before storage, and voice payments route through a PCI-safe pause.
Log everything, immutably
Who asked, what was verified, what the agent did, which policy allowed it, and the full transcript — all queryable for audit.
Where the automation lands safely
Start with high-volume servicing that has a clear factual answer, and keep judgement work with people.
Account servicing
Balances, statements, transaction lookups, standing orders and address changes — factual, verifiable and high volume.
- Post-verification balance and history
- Statement generation and delivery
- Contact and preference updates
Card and payment operations
Freezing a lost card, explaining a declined transaction or opening a dispute, available at the moment the customer notices.
- Instant card block, day or night
- Decline-reason explanations
- Dispute intake with evidence capture
Escalation that protects customers
Distress, complaint and vulnerability signals trigger a warm transfer to trained staff with the full context attached.
- Vulnerability signal detection
- Regulated-advice hard stop
- Complaint flagging with timestamps
Automate the servicing, keep the evidence
Start with balance and card queries behind verification, and review the audit log before you widen the action set.
Financial Services questions
Still deciding? Talk to our team or browse the full FAQ.
Products behind this solution
AI Call Agent
A natural-sounding AI voice agent for inbound and outbound calls, with warm transfers, live transcription and automatic call summaries.
AI Support Agent
An autonomous AI agent that answers across chat, email and messaging, takes real actions in your systems, and escalates with full context.
Helpdesk & Ticketing
Omnichannel ticketing with a shared inbox, SLA policies, automations, collision detection and an AI copilot for every agent.