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AI money advisors for banks.
What banks are deploying, what fails, and ten questions to ask any vendor, including us.
What is inside
Built from public deployments, regulator texts and legal cases across six regions. Most of the paper is market evidence and failure modes; Tuvel appears in the design chapters and the checklist.
For heads of digital and retail banking, CIOs, product and innovation leads, and risk and compliance teams. It assumes no technical background.
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Chapters
The shift
What banks and fintechs have deployed since 2024, region by region, and what assistants can now do inside the conversation.
What works and what fails
What successful programmes share, and the failure modes: reversed staffing cuts, doom loops, liability for a wrong answer, avatar pilots that never scaled.
From chatbot to agentic advisor
One advisor in front of specialist agents, and one customer question followed end to end.
The autonomy ladder as the control model
Five levels set per customer, checked at the moment of action, and why a ladder maps onto controls banks already run.
Six scenarios
Salary day, a bill that paid itself, a loan question in Hindi, a portfolio check-in by voice, a balance transfer and a budget in another currency.
Integration and customisation
How a bank adds its own agents and sets the rules: ceilings per segment, unattended actions, step-up codes and checks before an agent goes live.
A deployment checklist
Ten questions banks ask any vendor before buying an AI advisor, with Tuvel’s answer to each, and a practical rollout order.
Methodology and sources
How the tracker of public deployments, regulator texts and legal cases was built, and the sources behind every figure.