NH Bank is accelerating its efforts to integrate artificial intelligence (AI) across its banking operations. Moving beyond simply enhancing chatbot and customer support functions, the bank is now focusing on enabling employees to create AI agents that can handle core tasks such as customer consultations and loan assessments, marking a significant shift towards an 'Agentic AI Bank'.
According to the financial sector on July 11, NH Bank held a workshop with AI specialist Agile Soda on July 9-10 to identify collaborative projects. This workshop was organized following NH Bank's acquisition of Agile Soda, aiming to combine the financial and technological capabilities of both companies. Discussions centered on innovations in work processes, enhancing customer service, and improving productivity through the use of AI agents.
Agentic AI represents a step beyond traditional generative AI that merely answers questions. It refers to AI that understands user needs and autonomously determines and executes necessary procedures. When applied to banking, AI can take over repetitive and complex tasks such as customer consultations, product recommendations, document verification, and assessment assistance.
Last month, NH Bank officially announced its transition to an AI-centric banking model during the 'NH Agentic AI Bank Vision Day'. CEO Kang Tae-young stated, "By 2030, we aim to implement all financial services through AI, creating a proactive bank that anticipates customer needs before they are expressed."
The first pillar of this transition is the development of an in-house AI platform. NH Bank plans to launch the 'NHAIS', a dedicated platform for AI agents, in the second half of this year. This will allow all employees to create and utilize AI agents in their work.
The second pillar focuses on service transformation. NH Bank aims to establish an 'AI full banking' system by 2030 that can complete non-face-to-face financial transactions using AI. The goal is to enhance the speed and accuracy of core banking tasks, including customer consultations and loan assessments, by applying AI agents. The bank is also working on AI consultation services specifically for vulnerable groups, including the elderly and foreign customers, to improve financial accessibility.
As the scope of AI utilization expands, NH Bank is also establishing a risk management framework. NH Financial Group plans to complete a 'Group AI Governance' document this year, outlining principles and standards for AI use across its subsidiaries, including banking, insurance, securities, capital, and savings banks.
CEO Kang emphasized, "We will continue to pursue various innovative projects utilizing AI technology to provide our customers with more convenient and differentiated financial services."
* This article has been translated by AI.
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