Connected retail banking experiences start here

Banks handle people’s most sensitive asset, their money. We help retail banks modernize banking experiences through AI-powered orchestration, innovation, strengthens customer trust and drives growth.

Woman holding a credit card while using her phone

ONLY 65% of new account holders receive follow-up within 180 days.

With AI-driven insights and behavior-based engagement, TTEC helps banks deliver the right message at the right time—deepening relationships, driving loyalty, and fueling long-term growth.

Proof, not promises:

7.5%

callback rate compared to 10% client expectation

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95%

customer satisfaction when choosing messaging function

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104%

to goal for regulatory compliance

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90%

reduction in chargeback rates

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$3.5M

in cost savings

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47%

increase in leads

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120%

Monthly enrollment targets exceeded 120%

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Where empathy meets precision — powering every interaction across the retail banking journey.

Account & Card Management: Support customers with account setup, activations, credit card overviews, and transaction inquiries across debit, credit, and savings products.
Fraud Prevention & Verification:Deliver secure, human-centered authentication, ownership verification, and fraud-prevention assistance in real time.
Digital Engagement & App Support:Provide responsive help for transfers, automatic payments, and mobile banking features through voice, chat, and digital channels.
Transaction & Dispute Resolution:Manage disputes, declined transactions, and pending enrollments quickly and transparently to restore trust.
AI-Powered Agent Assist:Equip teams with real-time knowledge, predictive prompts, and insights to reduce handle time and improve first contact resolution.

Outcome: Deliver faster resolutions, higher CSAT, and lasting customer confidence — while reducing cost-to-serve across card, deposit, and payment journeys.

Invisible precision that drives visible results.

KYC / KYB & AML Processing: Perform Know-Your-Customer, Know-Your-Business, and Anti-Money Laundering operations with full compliance and accuracy.
Application & Transaction Support: Manage pre-approvals, loan processing, and declined transactions efficiently with clear audit trails.
Payments & Account Updates: Handle payments, credit line increases or decreases, and account inquiries seamlessly.
Fee & Reward Management: Process reward inquiries, bonus adjustments, and fee resolutions accurately and on time.
Data Verification & Compliance Reporting: Maintain robust document validation, record management, and regulatory reporting for complete operational assurance.

Outcome: Strengthen compliance, streamline workflows, and boost accuracy — freeing teams to focus on customer experience and revenue-driving activities.

Transforming service interactions into growth opportunities.

Lead Generation & Nurturing: Identify high-value opportunities across deposits, cards, and loans using behavioral data and predictive scoring.
Service-to-Sales: Train agents to detect buying signals during care interactions and deliver relevant cross-sell and upsell offers.
BDR-as-a-Service: Scale outreach capacity to re-engage existing customers, increase wallet share, and strengthen retention.
Personalized Offer Delivery: Use AI-driven insights to match products to individual customer needs in real time.
Sales Intelligence & Coaching: Monitor conversion trends, provide AI-based coaching, and continuously refine sales performance.

Outcome: Drive sustainable revenue growth, reduce acquisition costs, and elevate every service moment into a measurable business opportunity.

Confidence grows when protection is proactive.

Real-Time Fraud Detection: Identify anomalies across transactions, cards, wallets, and digital payments using advanced behavioral analytics.
Fraud Response Desk: Combine automation with expert review to resolve account takeovers, phishing, and verification issues quickly and empathetically.
AML & KYC Compliance Monitoring: Continuously ensure compliance with automated risk scoring, monitoring, and suspicious activity reporting.
AI Fraud Pattern Lab: Predict and prevent emerging fraud trends while reducing false positives and improving accuracy.
Compliance Reporting: Streamline workflows and meet Basel III, FATF, SOX, and PCI-DSS requirements efficiently.

Outcome: Minimize losses, safeguard customer trust, and maintain full regulatory compliance — all while delivering fast, transparent fraud resolution.

Human + tech: Better retail banking outcomes

We help retail banks optimize processes and improve productivity through AI-enabled automation that enhances the human experience. Our approach blends data intelligence with empathetic support, delivering faster resolutions, higher efficiency, and consistently better performance across every interaction.

Measurable growth. Repeatable success.

Stronger organization and alignment

Smarter, faster performance

Clear process understanding

Skilled, empowered teams

AI coaching that drives performance

Our AI in contact center banking combines technology with the dedication of people. Our teams are diligent, kind, and deeply customer-centric, committed to solving problems with care and precision. This mindset, supported by coaching and analytics, reduces attrition, strengthens performance, and builds lasting customer relationships.