Innovation Spotlight: The limits of AI-powered customer interaction

From Commerzbank’s glossy yet limited avatar Ava, to Desjardins’ proactive financial coach Alvie, to Starling Bank’s forward-looking take on everyday money management, Bernard explores the real-world value these assistants deliver, and the gaps that remain.

14/04/2026 Perspective
Patrice Bernard
C'est pas mon idée Trends Decoder & Innovation Catalyst

In a series of sharp, thought-provoking pieces for his French blog C’est pas mon idée, Patrice Bernard examines how banks are experimenting with AI-powered assistants — and why many of these tools still fall short of their ambitions.

From Commerzbank’s glossy yet limited avatar Ava, to Desjardins’ proactive financial coach Alvie, to Starling Bank’s forward-looking take on everyday money management, Bernard explores the real-world value these assistants deliver, and the gaps that remain.

His analysis offers a clear-eyed look at what AI can (and cannot) do today for consumers navigating their financial lives.

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