We live in an era defined by digitalization, immediacy, and information overload. Do you have a plan to adapt to this changing landscape? We’ve made it simple for you. We launched a tool that tells you what your customer wants, when they want it, and how you can offer it. As simple as that.
Welcome to the new era of personalized banking
Google for Startups Campus Madrid was the perfect setting to unveil our most anticipated development. David Conde, CEO and co-founder, joined Alberto Ceniz, Head of Financial Services at Google Cloud Spain, to present the virtual financial coach of the future.
What is Smart Assistant?
Smart Assistant is the ultimate conversational AI solution designed specifically for banking. By combining generative AI, machine learning, and natural language processing (NLP), it can interpret, enrich, and anticipate each user’s financial needs, understanding natural language and complex financial terminology.
Powered by a cutting-edge engine, with 95% accuracy in categorizing banking data, it is specifically designed for the banking environment. Unlike conventional chatbots, our assistant draws on each user’s pre-analyzed transactional data, eliminating the typical hallucinations found in LLMs.
With Smart Assistant, users can check and understand their finances in real time, from the palm of their hand and in milliseconds. The responses they receive are fast, contextual, and useful –what better way to boost satisfaction with a banking app?
Conversational AI: from fintech to real users
During our keynote, David presented real use cases through the story of Marta, a typical digital banking user. Each feature was introduced within her daily financial routine:
- Natural language conversations: Users speak as if chatting with a personal advisor –no menus, no commands.
- Intent recognition: The assistant understands what the user really needs and tailors responses accordingly –uncovering upselling and cross-selling opportunities.
- Advanced multi-criteria search: Instant answers to queries like “How much did I spend on restaurants this month?” or “How can I save on transportation?”
- Visual, enriched responses: Interactive charts, related transactions, insights, and smart recommendations for better decision-making.
Watch the Coinscrap Finance 2025 Keynote:
The partnership between Google Cloud and Coinscrap Finance: efficiency, security, and agility
As Alberto Ceniz pointed out during the presentation, Google Cloud helps us enhance our Smart Assistant by providing the infrastructure needed to securely access and protect the banking data users generate through their daily transactions.
He also highlighted one of Smart Assistant’s most obvious advantages: “As a bank, understanding which service my customer is most interested in allows me to tailor my value proposition.” Offering a fully personalized banking product at exactly the right time –when the user is actively searching– can be the difference between closing a sale or missing it.
Our host went on to discuss how AI is improving all processes related to bank contact centers. “Agents can now access real-time information to deliver the best possible service,” he stated.
Security, compliance, and seamless integration
Unlike other assistants that rely on context-free processing and high resource consumption, Smart Assistant is built on pre-calculated, categorized, and enriched data. The result? Near-instant responses, lower latency, reduced computing costs, and maximum security.
The ability to audit and protect every interaction under Google Cloud and ISO 27001 standards makes this tool a unique innovation. Smart Assistant meets the highest standards of banking data security and privacy.
Not to mention its seamless integration with leading infrastructures like Google Cloud, which enables our solution to scale effortlessly –supporting the growth of both banks and fintechs.
A new standard in banking innovation and user engagement
The launch of Smart Assistant is no coincidence: Coinscrap Finance has been recognized as one of the world’s 100 most innovative fintechs, according to AIFinTech100 2025. Its transactional technology has been powering some of the most widely used digital banking apps for years, with clients such as Santander, Bankinter, ABANCA, B100, and Unicaja. These institutions already rely on its solutions to deliver more personalized and efficient financial experiences.
Use cases: conversational AI focused on digital banking users
Improved customer support
Marta, our typical user, wants to understand her monthly expenses –and it’s 11 p.m. She simply asks Smart Assistant, “How many subscriptions do I have active?” and the virtual financial coach immediately shows her a visual summary with related transactions, alerts, and tips to optimize her finances.
Financial education and empowerment
When asked about the best way to save, the tool not only identifies possible improvements but also proactively explains recurring patterns and suggests how to avoid future surprises or overdrafts. Thanks to a deep understanding of spending categories, Smart Assistant delivers a hyper-personalized savings plan.
Product recommendations
Recurring monthly expenses like supermarket purchases make up a large portion of Marta’s budget. When she asks about a specific store she frequently shops at, Smart Assistant suggests more affordable nearby options. It also proposes a cashback program to help her save even more.
Monetizing transactional data
How do we know it’s the right time to offer a life insurance policy? For example, when a customer starts a company, gets married, or has a child. All of this is reflected in their transactional data –the core input for Smart Assistant.
A differentiated value proposition
Banks that offer a conversational experience integrated into their digital platforms are able to build a stronger bond with users –one based on trust, support, and transparency.
Because offering traditional products is no longer enough. It’s time to reconnect with people and give them back control of their finances.
About the Autor
Juan José Gómez is CMO at Coinscrap Finance, where he leads the marketing team and manages the fintech’s global communication strategy. With over 15 years of experience in the industry, he specialises in financial technology.
His responsibilities include setting goals and strategies, organizing events and webinars, coordinating with the sales team, and hosting The Fintech Podcast.
He holds a degree in Advertising and Public Relations, as well as several Master’s degrees in Online Marketing and Social Media. In addition, he has extensive experience in inbound and growth marketing, content marketing, SEO, PPC, web analytics, automation, and Power BI.
Frequently Asked Questions (FAQs)
Why choose Coinscrap Finance’s intelligent assistant?
We have extensive experience in machine learning and financial data analysis, which allows us to offer high-level conversational personalization. Our solution integrates quickly and securely and is fully compatible with the main technology partners in the market. Additionally, we provide tailored support and deployments adapted to the specific needs of each bank, neobank, and fintech.
How do financial institutions engage with their digital users?
The revolution in banking user engagement is already here. With Smart Assistant, Coinscrap Finance offers banks and fintech the opportunity to get ahead of the competition and radically transform their relationship with customers. This tool will enable them to make the most of their data and take advantage of the wave of banking innovation that is setting trends worldwide.
Is the future of digital banking in intelligent personalization?
The relationship between institutions and users is weak: banks have been making great efforts for years to attract customers, but nothing works. Leading corporations are already betting on conversational AI as the ultimate means to deliver real value, helping people manage their money. The industry and the population benefit mutually, and finally, banks build lasting relationships that pass from parents to children.
How can I reduce operational costs with Smart Assistant?
Through advanced data analysis, machine learning, and natural language processing, this tool feeds on a curated dataset that guarantees the best possible outputs. No errors or hallucinations, thanks to COCO’s expertise in categorizing transactional data.
We reduce processing time to milliseconds and ensure precise interpretation of customer habits, intentions, and needs. They ask, and you recommend. Show the right product in a friendly environment, with a widely tested UX and the context your customers need.
