What: Revolut is developing AI agents to automate customer service, sales, and voice-driven experiences as part of its broader superapp strategy.

Why it is important: The integration of AI in fintech and retail is raising customer expectations for personalisation and seamless transactions, driving competitive innovation.

Revolut’s latest initiative to build AI agents for customer service, sales, and voice-driven interactions signals a significant step in its ambition to become a comprehensive financial superapp. This move aligns with broader trends in retail and fintech, where AI-powered assistants and chatbots are delivering faster, more personalised service and driving operational efficiency. Industry leaders such as Klarna and Walmart have already demonstrated the impact of AI, achieving notable gains in productivity and customer satisfaction. Meanwhile, payment giants like Visa are introducing AI-driven solutions to enhance transaction security and convenience, reflecting the growing demand for seamless digital experiences. Investor interest in AI agent startups is surging, yet only a small proportion of companies manage to scale these technologies effectively, highlighting the importance of robust implementation. As Revolut expands its product offerings, the convergence of AI, advanced payment systems, and data-driven loyalty programs is setting new standards for customer engagement and retention across the retail landscape.

IADS Notes: Revolut’s AI ambitions echo recent industry findings from January to July 2025, which show that AI agents are transforming customer service and operational efficiency, with leading retailers achieving up to 30% productivity gains. The adoption of AI-powered assistants and chatbots is now essential, as 71% of consumers expect personalised interactions and 38% are using AI tools for shopping. Visa’s Intelligent Commerce initiative and the rise of mobile payments further illustrate how AI is reshaping transaction experiences. Despite strong investor interest, only a fraction of companies succeed in scaling these technologies, emphasising the need for careful implementation.

Revolut building AI agents for sales, customer service and more