Banks receive millions of reports of fraud, scams, and disputed transactions every year, making it challenging to accurately direct customers to the appropriate specialist teams for assistance. The existing manual process driven by humans is slow and stressful for both customers and staff. To address this, we develop a customer-facing AI powered triaging agent that leverages large language models (LLMs) to conduct multi-turn conversations, ask relevant questions, and classify cases for accurate, policy-guided routing, making it embedded in the customer journey. To evaluate and continuously improve the agent, synthetic digital twins of real customers were simulated, generating realistic, labelled dialogues based on historical data to test a wide range of real-world scenarios. This work details the triage agent’s modelling approach, integration with policy, safety guardrails and reasoning frameworks, the use of the synthetic agent for scalable evaluation, and findings on the AI system’s accuracy, robustness, and compliance. Results show that the agent successfully improves triaging of historical cases, achieving a 30.6% increase in classification accuracy, with high satisfaction levels reported by our subject-matter experts, highlighting how targeted probing can lead to more effective triage in banking operations at scale.‘

Online spaces provide individuals with the opportunity to engage in discussions on important topics and make collective decisions, regardless of their geographic location or time zone. However, without adequate support and careful design, such discussions often suffer from a lack of structure and civility in the exchange of opinions. Artificial intelligence (AI) offers a promising avenue for helping both participants and organizers in managing large-scale online participation processes. This paper introduces an extension of adhocracy+, a large-scale open-source participation platform. Our extension features two AI-supported debate modules designed to improve discussion quality and foster participant interaction.In a large-scale user study we examined the effects and usability of both modules. We report our findings in this paper. The extended platform is available at https://github.com/mabehrendt/discuss2.0.

Measuring the quality of contributions in political online discussions is crucial in deliberation research and computer science. Research has identified various indicators to assess online discussion quality, and with deep learning advancements, automating these measures has become feasible. While some studies focus on analyzing specific quality indicators, a comprehensive quality score incorporating various deliberative aspects is often preferred. In this work, we introduce AQuA, an additive score that calculates a unified deliberative quality score from multiple indices for each discussion post. Unlike other singular scores, AQuA preserves information on the deliberative aspects present in comments, enhancing model transparency. We develop adapter models for 20 deliberative indices, and calculate correlation coefficients between experts’ annotations and the perceived deliberativeness by non-experts to weigh the individual indices into a single deliberative score. We demonstrate that the AQuA score can be computed easily from pre-trained adapters and aligns well with annotations on other datasets that have not be seen during training. The analysis of experts’ vs. non-experts’ annotations confirms theoretical findings in the social science literature.