Book a Demo CONVERSATIONAL AI · NEOBANKS & DIGITAL BANKING
Conversational AI for neobanks: account opening, card disputes, transaction questions, KYC. Lumi verifies the caller, resolves it, and follows the regulated path — inside Unit, 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 core. Lumi works on top of it.
No rip-and-replace — Lumi layers onto your ledger, card processor, KYC, and help desk. 270+ integrations.
StripeAdAdyenChCheckout.comMaMarqetaGaGalileoPlPlaidSuSumsubPePersonaAlAlloyOnOnfido
ZendeskTwilioThe inbound loop
Different customers, one pattern: someone whose money is on the line right now — a lost card, a charge they don’t recognize, a paycheck that hasn’t landed — arriving at every hour, in every language, exactly when a canned reply makes the panic worse.
The 2am panic. An authenticated customer who can't find their card and needs the reversible safety action taken now, before someone spends. Lumi locks it on request — it doesn't issue a replacement decision.
A possible-fraud or dispute intake. Lumi captures the transaction, the customer's account of it, and the details — then routes the Reg E dispute decision to your team. It never rules on the claim.
The everyday embarrassment at the register. Insufficient funds, a hold, a location flag — Lumi reads the account state and explains the decline plainly, in the moment.
An onboarding or KYC review the applicant doesn't understand. Lumi explains what's outstanding and collects the document — it never approves the account or clears the review itself.
The pay-day-eve question that decides whether rent clears. Lumi reads the pending-deposit state, explains the timing, and answers transfer and limit questions live.
The customer who can’t lock a lost card fast is one bad night from churning — and telling everyone. A system should take the safe action and read the account before the fear sets in.
What is conversational AI for neobanks?
Conversational AI for neobanks authenticates the customer, then handles everyday consumer-banking support 24/7 in 70+ languages. It reads real account state to explain a declined card, a hold, or a pending direct deposit; when the verified customer reports a lost or stolen card it takes one reversible, customer-initiated protective action — a card lock — so nothing is spent while a human handles the replacement. It collects a clean dispute intake and explains what an onboarding review needs. Crucially it assists and never decides: it never adjudicates a dispute, decides provisional credit under Reg E, approves onboarding or KYC, or gives financial advice — those route to your team by design, with fraud and AML flags escalated to a human immediately, on an authenticated, least-privilege, fully-logged basis.
The difference a customer feels
A generic chatbot or ticket backlog
Lumi
“Please hold for the next available agent” to a customer watching a lost card is how you lose them. A card locked in seconds is the customer you keep — authenticated, protected, and routed if it’s regulated.
The card lock is just the front door
Whatever a customer asks, Lumi handles the support work — card locks, declines, holds, deposit questions, dispute intake — and hands anything regulated to the right person, in the customer’s own language.
In-app chat, SMS, voice, email — the customer who locks a card by voice at 2am and follows up in the app tomorrow stays one conversation, with the account context carried across all of it.
When the authenticated customer says they've lost their card, Lumi takes the one protective action they asked for — a reversible card lock — so nothing is spent while a human handles the replacement. It never decides the replacement or issues credit.
A charge the customer doesn't recognize gets captured cleanly — merchant, amount, the customer's account — as a Reg E intake. Lumi routes the provisional-credit and dispute decision to your team; it never adjudicates the claim.
Declined at the register, a hold on a deposit, a limit hit — Lumi authenticates, reads the real account state, and explains plainly what happened and what clears it, instead of a generic “try again later.”
70+ languages, around the clock — the customer checking a pending deposit at midnight gets answered in Spanish, Vietnamese, or Haitian Creole, and the summary lands in your system in English for the team.
Your ledger and card processor, Plaid, your KYC provider, Zendesk — Lumi reads and writes where your ops team already works. No rip-and-replace, no side spreadsheet.
Why the first 30 seconds decide it
An incoming request is either an urgent safety action, a regulated intake, or a review. Here’s how Lumi triages each one — taking the reversible protective action or collecting the intake, and routing the regulated decision to your team.
“I lost my card” at 2am. Every minute the card is live is a minute someone can spend. This lane can't wait for business hours or a callback — it needs an action now.
Lumiauthenticates the customer, then takes the one reversible protective action they asked for — a card lock. If anything about the request is unclear, it escalates instead of acting. It never decides the replacement.
A charge the customer doesn't recognize. This is a Reg E matter — the outcome, and any provisional credit, is a regulated decision that belongs to a human, not an AI.
Lumicaptures a clean intake — merchant, amount, the customer's account of it — and routes the dispute decision to your team. It never adjudicates the claim, rules on the charge, or issues credit.
An applicant stuck “under review.” They want to know what's missing and when they can bank. The approval itself is a KYC decision your team owns.
Lumiexplains what the review needs, collects the outstanding document securely, and routes the approval to your compliance team. It never approves the account or clears the KYC check itself.
The card lock is the one action Lumi takes — reversible, and only when the authenticated customer asks. Disputes are adjudicated by your team, never the AI.
Built for a regulated consumer bank
A support line on top of a consumer bank needs walls, not improvisation. These four are wired in before the first customer — so support never crosses into a dispute ruling, a credit decision, or an account approval.
Lumi reads account state, explains declines and holds, and collects dispute intake. It never adjudicates a dispute, decides provisional credit under Reg E, approves an onboarding or KYC check, or gives financial advice — those are your team's calls, always, by design.
No account detail is discussed and no card is locked until the customer is verified with a one-time code. The card lock is the one action Lumi takes — a reversible, customer-initiated protective lock. Lumi runs least-privilege and scoped, and every action is written to an immutable log.
Dispute rulings, provisional-credit decisions, fraud and AML flags, KYC approvals, and anything that smells like a chargeback are escalated to your team with the full authenticated context attached — never resolved by the AI alone.
Lumi reads and writes your ledger, card processor, and KYC provider — you keep the money-movement systems you run. There's nothing to migrate and no fund movement or account decision that isn't yours.
Questions, answered
Yes — the card lock is the one action Lumi takes, and only because it's a reversible protective action the authenticated customer explicitly asks for. If anything about the request is unclear, it escalates instead of acting. It never decides a replacement, issues credit, or takes an irreversible action.
Never. An unrecognized charge is a Reg E matter: Lumi captures a clean intake and routes the decision — and any provisional credit — to your team. It never adjudicates the claim, rules on the charge, or issues credit. That's a regulated human decision by design.
No. It explains what an onboarding review needs and collects the outstanding document securely, then routes the approval to your compliance team. It never approves the account or clears the KYC check itself.
It verifies the customer with a one-time code before discussing any account detail or taking any action, operates on least-privilege scoped permissions, and logs every step. Account details are never discussed with the wrong person.
Your core banking and card issuing (Marqeta, Galileo, Lithic), Plaid, your KYC provider (Sumsub, Persona, Alloy, Onfido), and your help desk (Zendesk, Twilio). It reads real state and writes back every action.
Flat monthly pricing based on the channels and workflows you enable — not per-resolution. Bring your volume and stack to a demo and we'll scope it.
Guides & comparisons
Give it your support line.
Open the demo and treat it the way your customers do — tell it you lost your card, flag a charge you don’t recognize, then push for a ruling on the dispute. Then bring your core and your stack to a walkthrough.
(986) 249-0330
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