Book a Demo CONVERSATIONAL AI · FINTECH
AI customer support for fintech companies: account signups, disputes, payout status, KYC, lending review. Lumi verifies, resolves, and follows the regulated path — inside Stripe, Plaid, your stack.
One demo line · every fintech workflow
Try: “I want to open a business account.”
No signup, no sales rep — just call it.
Take an inbound call from a founder exploring Northwind Pay for their business, understand their company, volume, and use case, explain the account tiers and pricing plainly, and route a qualified lead to the right onboarding specialist.
Thanks for calling Northwind Pay — this is Marcus. How can I help you today?
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Take an inbound call from a founder exploring Northwind Pay for their business, understand their company, volume, and use case, explain the account tiers and pricing plainly, and route a qualified lead to the right onboarding specialist.
+270 moreResolution rate
Always available
Languages
Avg. handle time
Platform integrations
Keep your rails. Lumi works on top of them.
No rip-and-replace — Lumi layers onto your ledger, payout partners, KYC, and help desk. 270+ integrations.
StripeAdAdyenChCheckout.comMaMarqetaGaGalileoPlPlaidSuSumsubPePersonaAlAlloy
ZendeskTwilioThe inbound loop
Different segments, one pattern: a user who moved money that matters and needs to know it’s safe — arriving at every hour, in every language, exactly when a canned SLA reply makes things worse.
A user who moved money that matters and needs the real state — pending, in review, in transit, paid out — not a canned “allow 1–3 business days.” The one question that has to be answered truthfully and fast.
A KYC or compliance hold the user doesn't understand and reads as “my money is frozen.” Lumi explains what's needed and collects the document — it never rules on the hold itself.
A decline, a rejected withdrawal, a failed transfer where funds sit in limbo. Authenticated, read from the ledger, and explained plainly — or traced and escalated to your team.
A dispute or chargeback that has to be captured cleanly and routed. Lumi opens a structured intake and hands the file to your risk team — it never adjudicates who wins.
The pre-transaction question that decides whether it happens on your app or a competitor's — answered instantly, in the user's language, before frustration sets in.
The user who can’t get a real answer is one bad reply from churning — and telling their whole community. A system should read the status and explain the hold before frustration sets in.
What is conversational AI for fintech?
Conversational AI for fintech authenticates the user, then reads the real state of a transaction or account — pending, in review, settling, paid out, or declined — from your ledger and explains it plainly, 24/7, in 70+ languages, across remittance, crypto, payments, neobanks, and wealthtech. It answers rate, fee, and limit questions, collects the KYC document that clears a verification hold, and opens a clean dispute intake. Crucially it assists and never decides: it never adjudicates a hold, clears a flagged transaction, approves a KYC check, rules a dispute, moves funds, or makes an AML, sanctions, or suitability call — and it gives no investment or tax advice. Those route to your compliance, risk, or licensed team by design, on an authenticated, least-privilege, fully-logged basis, with the regulated edge escalated to a human immediately.
The difference a user feels
A generic chatbot or ticket backlog
Lumi
“Allow 1–3 business days” to a user watching their money is how you lose an account. A real status read is the user you keep — authenticated, answered, and routed if it’s regulated.
The status question is just the front door
Whatever a user asks, Lumi handles the support work — status, holds, KYC, declines, disputes — and hands anything regulated to the right person, in the user’s own language.
In-app chat, SMS, WhatsApp, email, voice — the user who checks status in the app and messages on WhatsApp stays one authenticated conversation, with the reference carried across all of it.
Authenticates the user, then reads the actual state — pending, in review, settling, paid out, declined — from your ledger and explains it plainly, instead of quoting a generic SLA or “please wait for processing.”
When a transaction or account is held for verification, Lumi explains what's needed and collects the ID or proof securely — it never decides whether the hold clears; that stays with your compliance team.
KYC-doc collection, funding status, structured dispute intake — Lumi moves a user from “I signed up” to “I'm verified,” and hands every approval, ruling, and provisional-credit decision to a human.
70+ languages, around the clock — the user awake at 3am gets answered in Spanish, Tagalog, Korean, or Vietnamese, and the summary lands in your system in English for the team.
Your ledger, payout partners, Plaid, Sumsub, Persona, Alloy, Zendesk — Lumi reads and writes where your ops team already works, on least-privilege scopes. No rip-and-replace, no side spreadsheet.
One agent, five money-movement segments
The support motion is the same shape everywhere — authenticate, read the real state, collect the doc, route the regulated edge — but the words, the states, and the guardrails change per segment. Here’s where Lumi plugs in.
“Where's my money?” — the stuck, held, or failed transfer, answered in the sender's language before trust is gone.
See remittance KYC · withdrawals · read-onlyCrypto & exchangeKYC stuck, withdrawal pending, account locked — read-only status and process, in-language. It moves no coin and touches no key.
See crypto declines · settlement · disputesPayments & processorsWhy a payment declined, where a settlement is, and a clean chargeback intake before the network deadline.
See payments card lock · declines · disputesNeobanks & digital bankingLocks a lost card on request, explains a decline, and routes the Reg E dispute decision to your team.
See neobanks statements · funding · no adviceWealthtech & brokerageFinds the statement or 1099, walks onboarding and funding — and never gives investment or tax advice.
See wealthtech Another money-movement product?Lending, insurtech, embedded finance — if it moves money and takes support tickets, Lumi plugs in the same way.
Talk to usSpeed-to-answer is everything
The window to keep a user closes almost as fast as their money disappears from view. Lumi answers inside it, every hour of every day; a next-day SLA reply races a user who already churned, disputed, and warned their community.
A user's money is somewhere they can't see — a pending transfer, a held account, a failed payment — often at 3am, in a language your night queue doesn't cover.
still winnableAuthenticated, real status read, hold explained, document collected. Answer this fast and the user stays — and never posts “this app took my money.”
still winnableStill recoverable — but the user is refreshing the app, messaging on three channels, and drafting a one-star review while your queue backs up.
still winnableA canned SLA reply landed hours late. The user churned, disputed the charge, and warned their whole community. The ticket became a chargeback and a reputation hit.
gone coldNo rip-and-replace
Your ledger, your payout partners, your KYC provider, your help desk — Lumi works inside them, not instead of them, on least-privilege scopes. Status reads, collected documents, and dispute intakes land where your ops team already works — 270+ tools in all.
StripeAdAdyenChCheckout.comMaMarqetaGaGalileoPlPlaidSuSumsubPePersonaAlAlloyZendeskTwilioSwitched on from day one
Every play is wired before your first ticket — inbound support around the clock and outbound onboarding nudges that get users verified and funded. Turn any one on or off; add your own.
Built for a regulated money-movement business
A support line on top of a regulated fintech needs walls, not improvisation. These four are wired in before the first ticket — so support never crosses into a compliance decision or a fund movement.
Lumi reads status, explains holds, collects documents, and opens dispute intake. It never adjudicates a compliance hold, clears a flagged transaction, approves a KYC check, rules a dispute, or makes an AML or sanctions determination — those are your compliance and risk team's calls, always, by design.
No account or transaction detail is discussed until the user is verified with a one-time code. Lumi operates on least-privilege, scoped permissions — it reads and updates only what you allow, and every action is written to an immutable log.
In crypto and payments Lumi is read-only: it never moves funds, signs, broadcasts, or touches a key. Across the family it gives no investment, trading, or tax advice and makes no price calls — advice-shaped questions route to a licensed human.
Fraud claims, funds-in-limbo disputes, sanctions or AML flags, provisional-credit and underwriting decisions, and anything that smells like a chargeback are escalated to your team with the full authenticated context attached — never resolved by the AI alone.
Case file · multi-segment fintech (transfers + cards)
~28k support contacts/month · transfers + card + onboarding · before: canned SLA replies, night queue with no in-language cover, disputes filed out of frustration
authenticated, read from the ledger, explained in-language
seconds, not a next-day SLA reply
one clear answer beats three canned ones
no hold, dispute, or AML flag decided by the AI
“Our night queue used to answer “allow 1–3 business days” to people watching their rent money disappear. Now every user is authenticated, gets the real status in their own language, and anything regulated is already with compliance — with the whole context attached — before an agent even opens it.”
Illustrative composite from typical first-quarter results — names and figures are illustrative until our first public fintech case study lands.
Questions, answered
Through an explicit autonomy model you configure per action: complete, confirm, or route. You might let Lumi apply credits under a threshold autonomously, require user confirmation for cancellations, and route every fraud claim to a human, no exceptions. The plan for each conversation is built from those rules, so behavior is predictable and auditable rather than improvised by a language model with admin access.
The billing layer — Stripe Billing, Chargebee, Recurly — plus your CRM, such as HubSpot or Salesforce, and it can operate alongside your existing help desk rather than replacing it. Lumi reads the real account state before responding and writes back every action it takes. Custom or in-house systems are handled through custom integration during onboarding; tell us what you run and we'll scope it honestly.
Lumi authenticates users before any account discussion, acts only through the scoped permissions you grant, executes only pre-approved action types, and produces a complete log of every step. It doesn't diagnose fraud, adjudicate formal disputes, or make regulated determinations — those route to your team by design. Financial products carry specific compliance requirements, so bring yours to a demo and we'll go through the controls concretely.
Chat embedded in your product or site, email, SMS, voice, and an avatar experience if you want a face on it — all backed by the same account context, so a user can start in chat and finish over email without repeating anything. Most fintech teams lead with in-app chat and email, then add voice for the segment that still wants to call about money. Understandably.
Flat monthly pricing based on the workflows and channels you enable — deliberately not per-resolution, because your support costs shouldn't compound with your user growth. That decoupling is most of the point. For a number you can put in a model, book a demo and bring your ticket volume and stack; we'll scope it in that session.
Guides & comparisons
Give it your support line.
Open the demo and treat it the way your users do — ask where a transfer is, ask why an account’s on hold, then push for a decision on the hold. Then bring your segments and your stack to a walkthrough.
(986) 249-0330
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