Secure banking conversations without the wait

Bank-grade security with consumer-grade experience

Service accounts instantly, resolve queries in natural conversation, and flag fraud in real-time. Zero wait times, maximum security.

70% AI resolution rate
40% Fraud reduction
0 sec Wait time
ISO 27001 Certified

The old way

  • Long IVR menus before reaching anyone
  • Knowledge-based auth is insecure and slow
  • Fraud detected after the damage is done
  • Peak hours mean 30+ minute waits
  • Branch callbacks take days

The isLucid way

  • Natural conversation from first second
  • AI verifies account details through natural conversation
  • Real-time fraud detection and blocking
  • Zero wait time, any time of day
  • Instant account service, no branch needed

Account Services

Service accounts securely, answer queries instantly, and detect fraud before it happens.

Conversational caller verification

Verify caller identity through natural dialogue — AI confirms account details, security questions, and integrates with your existing auth systems.

  • Natural conversational verification flow
  • Multi-factor authentication integration
  • Knowledge-based security questions
  • Secure session management

Full account servicing capability

Handle balance inquiries, transaction history, card management, and payments securely over the phone.

  • Balance and transaction inquiries
  • Card freeze and limit changes
  • Bill pay and transfers
  • Statement requests

Real-time fraud detection

AI analyzes conversation signals, behavioral patterns, and transaction context to catch fraud before it succeeds.

  • Conversation anomaly detection
  • Behavioral anomaly detection
  • Real-time alerts to fraud team
  • Suspicious call handling

Revenue & Compliance

Proactive outreach that drives revenue while staying fully compliant with financial regulations.

Increase on-time payments by 25%

Friendly payment reminders with easy options drive collections without damaging relationships.

  • Due-date reminder calls
  • Payment arrangement options
  • TCPA and FDCPA compliant
  • Escalation protocols

Personalized product offers

AI presents relevant products based on customer profile and behavior, driving expansion revenue.

  • Credit line increase offers
  • Product upgrade opportunities
  • Renewal notifications
  • Life event targeting

What our customers say

AI-powered verification reduced our authentication time from 2 minutes to 15 seconds. Customers love the natural conversation flow and fraud attempts dropped 40%.

James Morrison, VP of Digital Banking at Pacific Regional Bank 87% faster auth

isLucid handles 70% of our inbound calls without any human involvement. The compliance team was impressed by the audit trail capabilities.

Sandra Lee, Head of Operations at Midwest Credit Union 70% AI resolution

Our fraud detection improved dramatically. The AI caught several synthetic identity attempts that would have slipped past our previous system.

Thomas Wright, Chief Risk Officer at SecureBank Financial 40% fraud reduction

Frequently asked questions

What security certifications does isLucid have?

isLucid is SOC 2 Type II certified, ISO 27001 certified, and meets the security requirements of major financial regulators. We undergo annual third-party penetration testing and maintain comprehensive audit logs.

How does AI-powered caller verification work?

Our AI verifies caller identity through natural conversation — asking security questions, confirming account details, and validating identity through dialogue. It integrates with your existing authentication systems and supports multi-factor verification when needed.

Can isLucid detect fraud in real-time?

Yes, our fraud detection analyzes conversation patterns, behavioral signals, and transaction context to flag suspicious activity. Alerts go to your fraud team instantly while the AI can stall or redirect suspicious callers.

How do you ensure regulatory compliance for outbound calls?

isLucid is fully compliant with TCPA, FDCPA, and other regulations. We manage consent, call timing restrictions, opt-outs, and required disclosures automatically. All calls are recorded and logged for compliance documentation.

Can the AI process actual transactions?

With proper authentication and authorization, our AI can process transfers, bill payments, card freezes, and other transactions by integrating with your core banking system. All actions are logged and auditable.