An AI-assisted account-opening journey, tested with users
Type
Proof of Concept, User Testing
Country
Poland
Industry
Banking
BNP Paribas Bank Polska and 10Clouds explored how conversational AI could help customers choose an account offer and complete the application. The joint Proof of Concept moved from discovery through user testing.
Huge Thing connected the teams around the challenge and made the collaboration possible.
Services
Technologies
PoC user-test ratings
Overall journey, PoC user testing
Completing the application, PoC user testing
Ease of use, PoC user testing
The opportunity
Choosing a bank account is a considered decision. The PoC explored whether an AI agent could guide customers through available offers, explain recommendations clearly, and support the application journey through conversation.
The aim was to give people room to understand their options and move forward at their own pace.
From discovery to a tested journey
10Clouds worked with BNP Paribas Bank Polska to develop a conversational journey that helps users choose an account offer and complete the application. The team took the concept from discovery through to PoC user testing.
The tested experience focused on clear explanations and a journey people could explore without feeling pressured into a decision.
What participants valued
Participants valued being able to review offers and make decisions at their own pace, without sales pressure. Clear explanations of recommendations helped them understand the available options.
The trusted BNP Paribas Bank Polska environment also supported confidence in the experience.
A strong basis for further validation
PoC user testing rated the overall journey 9.69 out of 10, completing the application 9.85 out of 10, and ease of use 9.46 out of 10.
Together with the qualitative findings, these results provide a concrete basis for assessing how conversational AI could improve the account-opening experience.
Explore more work in financial services
Polfund
SmartLead AI prepares public-tender evidence and surfaces potential business opportunities for POLFUND employees to review.
Credit Assessment AI Dashboard
An October 2024 scoped proof of concept for one part of a microenterprise credit workflow at a Polish commercial bank reduced application switches by 70–80%, made analysis over 50% faster, and indicated 100+ analyst hours saved monthly.
- 70–80%
- Fewer application switches
- 50%+
- Faster analysis
- 100+
- Analyst hours saved monthly
AI-Powered Sales Research Tool
AI-supported research for factoring sales. In the April 2025 PoC, manual verification fell from 40 to 20 minutes, source or screen checks fell from 34 to 5, and task success reached 80%. Live since September 2025 with a limited sales group; expansion is underway.
- 40 → 20 min
- Manual verification, April 2025 PoC
- 34 → 5
- Sources/screens checked, April 2025 PoC
- 80%
- Task success, April 2025 PoC
