7 Kasisto Alternatives for Digital Banking AI Assistants (2026)

The strongest Kasisto alternatives for digital banking AI assistants in 2026 are Lorikeet and Gradient Labs for banks and fintechs that want an agent to complete servicing work, Interface.ai, Glia and Posh for credit unions and community banks, and Kore.ai or NiCE Cognigy for large institutions that want a broad enterprise platform. Before you shortlist anything, note one fact: Kasisto is now part of Backbase. Backbase announced the acquisition on June 23, 2026, and kasisto.com now redirects to backbase.com, so the real question is whether you want Kasisto's agents inside the Backbase Banking OS or a standalone agent that works with the systems you already run.

This guide compares seven alternatives on the points banks raise most when they look beyond Kasisto KAI: whether the agent takes account actions or only answers questions, channel coverage including voice, how fast it gets to production, and whether pricing is published.

Key takeaways

• Kasisto is no longer a standalone vendor. Backbase says Kasisto's agentic platform, financial services intelligence and New York team are now part of its AI-native Banking OS, and that existing Kasisto deployments keep running.

• The category has moved from answering to doing. Backbase's own announcement says most banks have deployed agents "that answer questions without resolving work". Ask every vendor which account actions its agent completes, not which intents it recognises.

• Only a few vendors publish prices. Lorikeet publishes plan prices and per-resolution rates. Gradient Labs and Glia publish their pricing model but no figures. Kasisto (Backbase), Interface.ai, Posh, Kore.ai and NiCE Cognigy do not publish pricing on the pages we checked.

• Credit unions have specialists. Interface.ai, Glia and Posh build only for banks and credit unions and say they serve 100+, 700+ and 100+ institutions respectively.

• Voice is now standard, but check how far it goes. Most vendors here offer voice. The difference is whether the voice agent can complete the same account actions as chat.

What Kasisto KAI is, and why banks look at alternatives

Before the acquisition, kasisto.com (archived on 9 June 2026) described KAI as conversational and agentic AI "built for banking", with KAI-GPT, a banking language model, and KAI Answers, which gives contact center staff referenceable answers from the institution's own knowledge and policies. The site listed two audiences: global financial institutions and regional banks, and community banks and credit unions.

Today Backbase sells that capability as part of the Banking OS. Its conversational banking page describes chat and voice agents that let customers make payments and manage cards in conversation, with bank-defined controls on each action, and inbound or outbound voice with multilingual support. Backbase's own Kasisto alternatives post says that if Kasisto was on your shortlist, it is "now evaluated as part of Backbase's Banking OS, not as a standalone vendor".

That is a good fit if you already run Backbase or plan to. Banks and fintechs that do not are usually weighing four things:

• Actions, not intents. Older conversational banking assistants were built around recognising intents and returning answers. Buyers now want agents that complete multi-step servicing work such as card blocks, disputes, payment arrangements and address changes.

• Channel coverage. One agent across chat, email, SMS and voice, rather than separate builds per channel.

• Deployment speed. Weeks rather than a multi-quarter platform program.

• Pricing transparency. Neither kasisto.com nor backbase.com publishes pricing.

How we chose and checked these tools

We included vendors that (1) serve banks, credit unions or fintechs specifically, or have a dedicated financial services offering, (2) offer customer-facing AI agents on digital channels or voice, and (3) describe their product, customers and security posture publicly. We left out general helpdesk chatbots with no banking offering. Every vendor fact was checked on the vendor's own public pages on 16 Oct 2026, linked in each section: Backbase's Kasisto announcement, Gradient Labs, Interface.ai, Glia, Posh, Kore.ai and NiCE Cognigy. Where a vendor does not state something, the table says "Not published". Customer results are the vendors' own figures and have not been independently verified. The order groups vendors by type of buyer and is not a score.

Lorikeet publishes this guide and is one of the tools listed. We have tried to describe every product, including our own, using only what each vendor publishes, and we link to the source for each claim.

Kasisto alternatives compared

1. Lorikeet: fintechs and lenders that want an agent to resolve servicing work across every channel

Lorikeet is an AI customer support platform for complex and regulated businesses. On its financial services page, it describes an agent that pulls live account context, follows servicing policies and takes action in core systems, such as filing disputes, processing payments and verifying identity, then escalates to a specialist with the full interaction history when a case needs review. One agent covers chat, email, SMS and voice, and it reads and writes through your APIs, webhooks and MCP servers, with read-only or write access set per connection.

Published fintech results: Hnry, an accounting service for self-employed people, went live in mid-May 2026, handled 17,000+ conversations in its first month and automated around 70% of conversations in the peak week of the Australian end of financial year (Hnry story). Carmoola, a UK car finance lender, resolved 40% of inbound conversations end to end from day one and now resolves 60% across WhatsApp, chat and email (Carmoola story). Taptap Send runs it for remittance support across more than 35 send markets and over 80 receive markets, on European-hosted infrastructure.

Security: SOC 2 Type II, ISO 27001:2022, HIPAA and GDPR, published on its trust center; zero-data-retention agreements with model vendors and no training on customer data.

Pricing and trial: Start is $2,100/mo and Scale $5,100/mo, paid annually; Signature is custom with a $75K platform fee. Chat, email and SMS resolutions are $0.99 (Start) or $0.90 (Scale); voice is $1.50 or $1.20 (3 min average). You are charged only for successfully resolved tickets, and escalations to a person are not charged. There is a 30-day free trial with a work email. Time to first live ticket is "as little as hours, average under 29 days".

Trade-offs: Lorikeet is not a core banking or digital banking platform. It connects to your core, card processor and CRM through integrations or custom integrations, so the actions it can take depend on the APIs you expose. Data residency is USA on the Start and Scale plans; Signature plans have custom residency.

2. Gradient Labs: banks and lenders that want specialist agents for disputes, collections and KYC

Gradient Labs describes itself as "AI-native customer operations for financial services": a suite of specialist agents for lending, disputes and KYC, plus a platform for the operations between them. Its disputes agent gathers and verifies evidence, decides the outcome, escalates to a person for sign-off and files the chargeback with the card scheme. Its collections agent contacts borrowers in arrears and secures a promise to pay. It works across email, text and voice.

It lists SOC 2 Type 2 and GDPR, and says it is built for US, UK and EU rules including FCA Consumer Duty, CONC, Reg E, Reg Z, PSD2 and the EU AI Act. Published results include Pockit reaching a 70% resolution rate and 80% CSAT, and SteadyPay scaling outbound collections calls with a voice agent.

Pricing: the pricing page describes an outcomes-based model without platform fees, where you pay only for successful resolutions. Rates are not published, and there is no self-serve trial listed.

Trade-offs: its pricing FAQ says it does not offer co-pilots for human agents; it focuses on end-to-end automation. Teams on Intercom, Zendesk or Freshdesk can start without technical integration, which it says usually resolves 20 to 50% of the easiest queries, and deeper automation requires defining procedures and integrating your systems as a joint project.

3. Interface.ai: credit unions and community banks that want voice-first AI

Interface.ai positions itself as AI agents "for credit unions and community banks" and says it is trusted by 100+ of them. It describes seven agentic surfaces on one platform, including a voice agent available 24/7 in 100+ languages, an in-app and website assistant that handles answers, forms and transactions without redirection, an agent for early-stage delinquency across voice, SMS and email, and fraud protection using caller ID forensics and device biometrics.

It says its compliance layer is trained on NCUA and FFIEC regulations to detect violations and restrict risky content, and that it has over 40 integrations covering core banking, CRMs and payment gateways. Published customer quotes include a voice agent handling over 60% of inbound calls during business hours and over 75% after hours.

Pricing: Not published.

Trade-offs: its pages speak to credit unions and community banks, so a fintech or lender outside that model should ask how much of the platform applies. We did not find security certifications on the public pages we could load.

4. Glia: banks and credit unions that want predictable, unlimited-usage pricing

Glia says its AI is "purpose-built for banks and credit unions" and that 700+ community financial institutions use it. It offers voice AI that handles 1,000+ banking tasks out of the box, digital self-service and agent assist, a relationship management layer that joins voice, digital and branch history with core banking data, and Agentic Workflows that complete tasks across banking systems from the interaction to the back office. It says its advisors get AI into production within 100 days or less.

On security, Glia lists PCI Level 1 across the stack with a direct PCI DSS report.

Pricing: its pricing page describes "Priceless Pricing": one fixed price with unlimited usage and no seat limits, in tiers based on channels, automation goals and growth stage. Dollar figures are not published.

Trade-offs: Glia is a broad contact center and banking platform, so you are buying more than an AI agent. Its pages focus on regional and community institutions.

5. Posh: banks and credit unions that want voice, digital and staff tools from one knowledge base

Posh calls itself the operational AI layer for financial institutions and says it has helped 100+ banks and credit unions. Its voice assistant answers FAQs, routes calls and automates banking transactions; its digital agent answers across website, mobile app, SMS and email; and its proactive agents reach customers across voice, SMS, email, push and personalised microsites. It also offers employee tools: an internal assistant, role-play training and QA that evaluates every contact center conversation against your SOPs.

Posh says it adheres to SOC 2 Type II and CSA STAR Level 1.

Pricing: Not published.

Trade-offs: the product set is broad, so scope which parts you need. Like the other credit union specialists, it is built around banks and credit unions rather than fintechs.

6. Kore.ai: large institutions building many agents on one enterprise platform

In its own guide to agentic AI platforms for banking, Kore.ai describes itself as an enterprise agentic AI platform for designing, deploying, governing and scaling agents across customer service, employee support and operations. Its AI for Banking offering covers retail banking, wealth management, insurance and back-office use cases, with an agent marketplace of 300+ pre-built agents and multi-agent orchestration for multi-step workflows. It lists SOC 2, ADA and PCI-DSS.

Pricing: Not published.

Trade-offs: these claims come from a Kore.ai guide that ranks Kore.ai first, so ask for references. A platform this broad suits institutions with an internal team to configure and maintain agents.

7. NiCE Cognigy: enterprise contact centers with heavy voice volume

Cognigy now markets itself as NiCE Cognigy. Its banking and finance page describes AI agents on any voice or digital channel, 24/7, that use customer data and conversation context, plus real-time assistance for human agents. It lists GDPR, SOC 2 Type II, ISO 27001, ISO 9001, PCI DSS and BSI C5 Type II. Its published Humm Group example says the virtual assistant understands over 94% of customer intents and handles tasks such as opening or closing accounts and explaining fees. It also says it was named a Leader in the Forrester Wave 2026 for conversational AI platforms for customer service.

Pricing: Not published.

Trade-offs: Cognigy serves many industries, and its featured stories include airlines and automotive. Banking-specific policies and flows are yours to design on the platform.

Questions to ask before you pick

1. Which account actions does the agent complete today? Ask for a live demo of a card block, a dispute and a payment arrangement against a test account, not a scripted answer.

2. Does voice do the same work as chat? Some vendors' voice agents only route calls. Check whether voice uses the same workflows and controls.

3. Who builds it, and how long until live traffic? Ask for the median time to first live conversation for a team your size, and who on your side has to do the work.

4. What happens at the edge of policy? Ask how the agent escalates hardship, complaints and vulnerable customers, and what context the human receives. An AI agent should never give financial advice.

5. What will it cost at your volume? Get a written estimate per resolution, per seat or fixed fee, and ask what is charged when the agent escalates.

6. Where does data live? Confirm hosting region, model vendor retention and audit access for your regulator.

For more on the underlying work, see our guides to AI customer support for fintech, voice AI integration for fintech and banking and AI dispute resolution in fintech.