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  "documentTitle": "2025 The AI Dossier",
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      "text": "ISSUE/OPPORTUNITY: Banks seek to provide customers with multiple methods of interacting with their accounts, services, and offerings. As digital services grow, customers may prefer to conduct banking transactions remotely through virtual transactions. However, this approach still requires a human agent, and employees are the most expensive cost component in customer service—particularly when three levels of customer support are necessary. Chatbots can help automate virtual transactions, but existing chat tools are limited to specific, pre-programmed dialogue and options.",
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      "text": "HOW AI CAN HELP: Bring the bank to the customer. With a generative AI-enabled virtual space, customers can use a VR headset to conduct business with the financial institution and interact with a service representative from the comfort of their own home in a way that is convenient for the customer. Speed and quality of service. In a virtual space, customer data can be accessed in real time by the conversational agent to provide faster, higher quality service and offerings. Hyper-personalized service. A generative AI agent can provide conversational, tailored responses to questions about customer accounts and financial needs. This helps the enterprise cater to its customers' desires for a personalized experience while also avoiding the costs that come with adding more human customer service workers.",
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      "text": "VR-enabled retail banking centers. Virtual reality customer agents powered by generative AI can change the retail banking experience and interactions.",
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