# interface.ai

> interface.ai builds agentic voice, chat and employee AI for credit unions and community banks on its BankGPT platform, with device biometrics and risk-based MFA inside the AI channel. It is ISO 27001 and SOC 2 Type II certified and reports handling roughly 1.5 million interactions daily.

| Field | Value |
| --- | --- |
| Headquarters | San Jose, CA |
| Website | https://interface.ai |
| Category | Agentic voice and chat AI |
| Best for | Credit unions worried about authentication in the AI channel |
| Primary market | Credit unions and community banks, close to 100 institutions |
| Deployment | Cloud |
| Pricing model | Quote only |

## Overview

interface.ai builds agents for credit unions and community banks on its BankGPT platform, announced in November 2025. Voice and chat agents authenticate members, answer from approved knowledge, run lookups and balance checks and route what they cannot finish; an employee agent works inside the tools staff already use, writing call summaries and structuring escalations. In February 2026 the company added a collections agent covering overdrafts, credit cards, auto loans and home equity that captures promise-to-pay, verifies identity and runs automated QA for regulatory violations before outreach goes out. The platform is ISO 27001 and SOC 2 Type II certified and handles roughly 1.5 million interactions a day.

## Capabilities

- voice AI
- chat AI
- employee assist
- collections
- authentication

## Features

- Agentic voice AI that authenticates the member before acting
- Agentic chat across web, SMS and email
- Employee agent with automatic call summaries and structured escalations
- Smart Collections for overdrafts, cards, auto and home equity
- Device biometrics and risk-based MFA inside the AI channel

## Integrations

- Fiserv
- Jack Henry
- Symitar
- Corelation
- CSI
- COCC
- FIS
- Finxact
- ShareOne
- CU*Answers
- Access Softek
- MeridianLink
- nCino
- Blend
- Entersekt Orkestrate

## Segments served

- credit-unions
- community-banks

## Ideal customer

| Dimension | Fit |
| --- | --- |
| Institution size | $250M to $5B in assets |
| Volume | Member call and chat volume the branch network cannot absorb |
| Team size | 5 to 40 in the contact centre |
| Best when | Voice fraud and authentication are as much of a concern as call deflection. |

## Strengths

- Unusually serious about authentication in the AI channel, with device biometrics for voice and chat plus risk-based MFA, which addresses the deepfake voice exposure risk officers ask about
- Sells only to credit unions and community banks, so the voice product is tuned for member service patterns below $10 billion
- ISO 27001 and SOC 2 Type II certified, which clears the first vendor diligence gate most institutions apply
- Ranked at or near the top of credit union answers across several AI assistants

## Limitations

- Roughly 100 institutions served is a small installed base next to Glia or Eltropy, so reference depth per core platform is likely thin
- The integrations page shows partner logos across cores, LOS and digital banking platforms without describing what each connection covers, so confirm the depth of the core integration before relying on it
- Published case studies are credit unions plus Bank of Guam, so a mainland community bank should ask for a same-charter reference
- The product line expanded across voice, chat, employee assist and collections in roughly six months, so probe maturity per module

## Where it ranks

| Guide | Rank | Award |
| --- | --- | --- |
| Best AI Tools for Banks and Credit Unions (https://aitoolsforbanks.com) | #7 | Best on authentication in the AI channel |
| Best AI Tools for Community Banks (https://aitoolsforbanks.com/best/ai-tools-for-community-banks) | #9 | Best voice authentication |
| Best AI Tools for Credit Unions (https://aitoolsforbanks.com/best/ai-tools-for-credit-unions) | #2 | Best voice AI security |
| Best AI Chatbots for Banks and Credit Unions (https://aitoolsforbanks.com/best/ai-chatbots-for-banks) | #4 | Best authentication handling |

## Head-to-head

- [Posh AI vs interface.ai](https://aitoolsforbanks.com/compare/posh-ai-vs-interface-ai)

## Common questions

### What is BankGPT?

The platform interface.ai announced on 18 November 2025 that its agentic voice, chat and employee products run on. Navigator Credit Union and Red Rocks Credit Union were quoted in the launch coverage.

### Does interface.ai handle collections?

Yes. Smart Collections launched in February 2026 as a multi-channel agent for overdrafts, credit cards, auto loans and home equity, capturing promise-to-pay and running automated QA for regulatory violations before outreach goes out.

**Last checked:** October 1, 2026

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**Source:** https://aitoolsforbanks.com/platforms/interface-ai · **Markdown:** https://aitoolsforbanks.com/platforms/interface-ai.md · **Agent index:** https://aitoolsforbanks.com/llms.txt

AI Tools for Banks. Vendor research for community banks and credit unions. Vendor names and trademarks belong to their owners. Rankings are editorial opinion; the facts beside them are sourced.