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Multichannel CX is incomplete without Agentic AI workflows. For true efficiency, you need intelligent orchestration across voice, chat, email, and video channels.
Why is AI important in the banking sector? | The shift from traditional in-person banking to online and mobile platforms has increased customer demand for instant, personalized service. |
AI Virtual Assistants in Focus: | Banks are investing in AI-driven virtual assistants to create hyper-personalised, real-time solutions that improve customer experiences. |
What is the top challenge of using AI in banking? | Inefficiencies like higher Average Handling Time (AHT), lack of real-time data, and limited personalization hinder existing customer service strategies. |
Limits of Traditional Automation: | Automated systems need more nuanced queries, making them less effective for high-value customers with complex needs. |
What are the benefits of AI chatbots in Banking? | AI virtual assistants enhance efficiency, reduce operational costs, and empower CSRs by handling repetitive tasks and offering personalized interactions. |
Future Outlook of AI-enabled Virtual Assistants: | AI will transform the role of CSRs into more strategic, relationship-focused positions while continuing to elevate the customer experience in banking. |
CX today is inherently multichannel. Customers fluidly move from chat to email, from WhatsApp to voice calls, and increasingly, to video support. The expectation is seamless continuity — but most AI systems fragment these interactions.
Why?
Because most current AI deployments are channel-bound and transaction-centric, not journey-centric. A chatbot can answer FAQs. An IVR can route calls. An email bot can draft a reply. But none of these can manage a case holistically across platforms and stages.
This creates operational blind spots:
This isn't just a bad experience — it’s operational inefficiency at scale.
Conventional AI in CX still relies heavily on decision trees, rule-based logic, and reactive prompt-response mechanisms. Even if enhanced by NLP or ML classification models, these bots fundamentally lack operational agency.
They can neither:
They function in silos, incapable of intelligent coordination.
For enterprise-scale CX operations — especially those with complex SLAs, regulatory constraints, and large query volumes — this static approach is no longer sustainable. It’s precisely the challenge we unpack in this related breakdown on why most AI support stacks underdeliver.
Agentic AI refers to systems composed of autonomous, goal-oriented agents capable of independently perceiving context, making decisions, executing tasks, and coordinating with other agents or systems to achieve an outcome.
In multichannel CX, Agentic AI workflows replace channel-bound bots with intelligent agents capable of:
It’s not AI that responds — it’s AI that acts, decides, and delivers outcomes. For a deeper dive into how CX leaders are operationalizing this shift, check out our guide on solving CX scalability, integration, and personalization challenges with Agentic AI.
Consider a typical customer support scenario at scale:
These agents utilize:
For customer success teams looking to scale this operational model, our GenAI for Customer Success Playbook breaks down tactical applications.
Unlike decision trees, Agentic AI uses dynamic decision-making frameworks driven by:
An agent doesn’t just choose the next scripted step — it evaluates current context, possible next actions, projected outcomes, and operational constraints before proceeding.
Example:
If a high-value customer raises a complaint via WhatsApp while a pending service ticket exists in the CRM, the agent recognizes the risk exposure and proactively initiates a video call offer rather than routing to tier-1 support — a move no static bot could execute without human orchestration. We’ve explored similar operational gaps in AI strategy in our piece, AI Isn’t The Future — It’s Your Business’s Biggest Asset Right Now.
Voice Support:
Chat & Messaging:
Email:
Video CX (Emerging Enterprise Trend):
One of the most overlooked inefficiencies in multichannel customer support is context switching — both for customers and internal systems. Every time a customer moves from chat to email, or from a voice call to a support ticket, critical case details are either lost or redundantly revalidated. This creates operational drag, frustrates customers, and inflates handling times.
Traditional AI systems lack shared, persistent context awareness across these touchpoints. Each interaction starts with limited awareness of prior conversations, forcing repeat authentication, issue re-explanation, or status checks.
Agentic AI workflows resolve this by maintaining a persistent, dynamic state object for every customer case. This state object is accessible to all agents — voice, chat, email, or video — ensuring every channel instantly inherits up-to-date case context, actions taken, sentiment markers, and SLA deadlines.
The result:
This real-time case memory capability dramatically improves both operational efficiency and customer experience, especially in enterprise environments with complex support hierarchies and multi-touch case resolutions.
As customer expectations accelerate, AI in CX can no longer be reactive or channel-bound.
The enterprises winning loyalty and market share today are those deploying agentic AI architectures — systems that think, act, and orchestrate outcomes autonomously across dynamic, multichannel ecosystems.
It’s not about more channels. It’s about unified, intelligent, outcome-led journeys.
And in this future, AI agents that manage cases, conversations, and outcomes without human micromanagement aren’t a nice-to-have — they’re operational necessity.
Fluid AI is an AI company based in Mumbai. We help organizations kickstart their AI journey. If you’re seeking a solution for your organization to enhance customer support, boost employee productivity and make the most of your organization’s data, look no further.
Take the first step on this exciting journey by booking a Free Discovery Call with us today and let us help you make your organization future-ready and unlock the full potential of AI for your organization.
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