AI AGENT INTELLIGENCE · BANKING
The report that tells your Board whether your bank's AI agent is ready for production
Lexic Compass audits banking conversational agents on KYC, payment authentication, and customer service — and delivers a Trust Score from 0 to 100 with an independent verdict.
A banking conversational agent audited by Lexic Compass receives a Trust Score from 0 to 100 across 4 pillars — Integrity & Safety, Regulatory Trust, Operational Reliability, and Experience Trust — with a compliance pack specific to banking that verifies KYC/AML, strong customer authentication (PSD2), and the risk that the agent unknowingly participates in a credit decision classifiable as High-Risk under Annex III of the EU AI Act. The result is an independent report/verdict — Cleared, Cleared with Conditions, or Not Cleared — not a certification: Lexic is not a notified body under the EU AI Act.
What the Banking pack covers
| Regulation | What the Compass report verifies |
|---|---|
| EU AI Act Art. 50 | AI disclosure to the customer, in force since August 2026 |
| AML/KYC | Identity verification sequence and escalation of atypical alerts to a human |
| PSD2 | Strong customer authentication not bypassed, no card data exposed in plain text |
| DORA | Incident traceability classifiable for the customer's ICT register |
| Annex III (flag) | If the agent assesses creditworthiness or recommends approving/denying credit — High-Risk classification |
| Accessibility | Real handoff to an alternative channel for customers without digital access |
“European banks with customer-facing conversational agents are, today, the sector with the widest gap between what their chatbot promises and what their compliance can prove.”