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NetherlandsFinance and insurance2021 – ongoing

Rabobank

Unified AI virtual agents for voice and chat banking

Rabobank's virtual agents completed about 40 to 50 percent of initiated contacts without escalation

WorkingVendor case studyVendor ↗

Problem

Rabobank maintained separate voice and chat systems. Updating the same conversations twice created duplicate work and made reporting harder.

Approach

Rabobank rebuilt both channels on Microsoft Power Virtual Agents with support from Avanade and Accenture. Implementation began in December 2021, with the first production deployment in April 2022. Voice agents collected information for routing, while chat agents could complete banking transactions.

Results

about 40 to 50 percentinitiated business contacts completed without human escalation, according to MicrosoftVendor case study[1]

Takeaway

A common conversational platform reduced duplicate maintenance while allowing different tasks in voice and chat.

Categories

Business function
Customer service
Innovation type
Process innovation
Evidence
Vendor case study

Sources

Source summaries

[1]Microsoft18 Nov 2022

Microsoft described Rabobank's replacement of separate voice and chat systems with a shared virtual-agent platform. It reported that agents completed about 40 to 50 percent of initiated business contacts without escalation.

Full details are in the original sources.

Added 1 Nov 2026 · Updated 1 Nov 2026
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