Payman

"I have a new friend." That's what Karen Grindrod from Middlesex Federal Savings said after using their AI agent that we built. She walked in skeptical but left with a friend. On April 8, she's going live with our CPO Akash Desai to tell the whole story. No slides or scripts just a banker sharing what it's actually like to work alongside an AI agent. April 8, 2026 | 12:00 PM EST paymanai.com/events/bankers…

Banking went from branches to apps. Now it's going from apps to agents. The next evolution isn’t a better UI. It’s AI that can execute transactions, not just answer questions. That’s agentic banking. Read how Middlesex Federal Savings is moving in this direction: paymanai.com/blog/community…

"When we saw the first demo, I was like, this is it. How do I make this the primary interface for how I am going to interact with my bank?" C.J. Conrad, SVP of Operations and Innovation at Middlesex Federal Savings, on seeing AI that actually executes banking transactions. Not a chatbot but an agent that moves money, enforces compliance, and works from intent to execution in one conversation. She called it "an explosion in your head" when it clicks. Watch the full conversation here: paymanai.com/events/from-di…

don’t let your agent touch your keys (@sigilumid by @paymanai)

Banking moved from branches to mobile apps in a single generation. Now we’re entering the next shift: AI that doesn’t just respond, it executes. This is Agentic Banking, where a customer says, “Move enough to checking to cover rent, then pay it,” and the system actually completes the action. Securely. Within policy. With full auditability. We’re hosting a live conversation on what this means for community and regional banks. Join Tyllen Bicakcic, CEO of Payman, and C.J., SVP at Middlesex Federal Savings, as they discuss: - Why “answering questions” is no longer enough, and what it takes to move from chatbot to execution - How Middlesex Federal Savings is thinking about deploying agentic capabilities - What trust, oversight, and safety look like when AI can actually move money February 26, 2026 · 12:00 PM EST paymanai.com/events/from-di…

As banks introduce AI into payments and back office operations, a new class of risk is emerging one that doesn’t rely on malware or system breaches. It relies on trust. In Payman AI’s Poisoned Invoice scenario, a routine invoice becomes the attack vector. Malicious instructions are embedded inside an otherwise legitimate document, exploiting the AI’s tendency to treat all contextual input as trustworthy. The result? An AI system that appears to follow policy, while executing actions it should never authorize. What this scenario exposes: 1. The Setup and how AI systems ingest invoices, extract details, and initiate payments 2. The Attack and how indirect prompt injection manipulates AI behavior without triggering alarms 3. Why it works and the failure to distinguish untrusted content from authoritative context 4. Required guardrails and separation of extraction and execution, deterministic validation, and policy enforced approvals This is not a theoretical weakness. It is a predictable failure mode when probabilistic AI systems are allowed to influence deterministic financial actions without sufficient controls. Understanding this risk is essential for any institution deploying AI in accounts payable, payments, or treasury workflows. Explore the full scenario and strengthen your AI banking defenses: paymanai.com/resources/ai-b…

In today's rapidly evolving financial landscape, AI is transforming banking operations. But are you aware of the potential vulnerabilities? We released interactive scenarios that expose how AI systems can be exploited in banking contexts. Learn about: - The Poisoned Invoice: Indirect prompt injection risks. - The Policy Loophole: Natural language policy exploitation. - The Confirmation Trap: Approval authority confusion. - The Slow Boil: Multi-turn context manipulation. - The Helpful Mistake: Information disclosure. - The Audit Ghost: Logging and accountability gaps. Understanding these scenarios is crucial for safeguarding your financial institution against emerging threats. Don't leave your AI banking systems vulnerable. Explore the interactive scenarios by clicking the link in the comments!

Community bank mergers accelerated to 127 completed deals in 2025 according to the Federal Reserve Bank of Kansas City which is the highest level since 2021. Big banks keep getting bigger. Fintechs are scaling at speed. And community banks? They're getting squeezed. This isn't a cycle. It's a structural shift in how financial services compete. The largest banks are outspending regional competitors 10 to 1 on technology Banking. Standing still isn't an option anymore. Competing means moving faster. And moving faster means innovating without sacrificing trust or control. Agentic banking is how community banks level the playing field. paymanai.com/reports/agenti…

The Big Game isn’t just for the high rollers anymore. 🏈 For most of us, the idea of a $6,000 Super Bowl ticket feels like a pipe dream. But we believe that with the right tools, any goal is reachable. That is why we are so excited about what we are bringing to the table. In this video, you will see someone asking a simple question with the intent of saving $5,000 for the Super Bowl. Instead of a generic "save more" response, our AI dives into the real numbers. It spots the double gym memberships, the delivery fees that add up, and the "impulse buys" that we all have. It builds a realistic, step by step roadmap to get you to the stadium. Community banks have always been about personal service and helping neighbors thrive. It is about taking the stress out of saving and turning "maybe someday" into "see you at kickoff." Whether you are saving for a bucket list trip or just trying to get ahead on rent, we're here to help you better server your customers.

The Big Game isn’t just for the high rollers anymore. 🏈 For most of us, the idea of a $6,000 Super Bowl ticket feels like a pipe dream. But we believe that with the right tools, any goal is reachable. That is why we are so excited about what we are bringing to the table. In this video, you will see someone asking a simple question with the intent of saving $5,000 for the Super Bowl. Instead of a generic "save more" response, our AI dives into the real numbers. It spots the double gym memberships, the delivery fees that add up, and the "impulse buys" that we all have. It builds a realistic, step by step roadmap to get you to the stadium. Community banks have always been about personal service and helping neighbors thrive. It is about taking the stress out of saving and turning "maybe someday" into "see you at kickoff." Whether you are saving for a bucket list trip or just trying to get ahead on rent, we're here to help you better server your customers.

In the age of conversational AI, your customers expect instant financial insights not dashboard navigation. Agentic banking delivers answers through natural conversation. Your customers get instant analysis, actionable intelligence and complete transparency. This is how modern banking works. #AgenticBanking #Banking #DigitalTransformation #AI

How many customers stopped banking at your bank and went to a competitor last year? Every time a customer waits days for something that should take minutes, they learn a hard truth: someone else is faster. Engagement drops and trust erodes and by the time churn shows up in your numbers, it’s already done. This isn’t hypothetical according to data via Bank Director: • 15–25% of customers leave every year • Only 14% feel their bank delivers truly personalized experiences If it takes years to earn back a customer, losing them because you’re slow is an existential problem. Speed is no longer a “nice to have” and it’s a retention strategy. Agentic banking is how banks close that gap moving from AI that answers to AI that actually acts, safely and in real time, without giving up trust, compliance, or control. If you want to understand how agentic banking works and why it’s becoming the difference read the Agentic Banking Guide. paymanai.com/reports/agenti…

How do you scale the human touch your bank offers in a digital first world? The biggest challenge in digital banking isn't having an app it's making that app smarter. Your customers shouldn't have to navigate five screens or call a representative to complete a simple, multi-step request. They expect the same contextual understanding they get from their favorite teller. Our AI doesn't just answer questions...it executes complex, contextual requests in a single, seamless conversation. Watch this short demo to see it in action: A customer asks, "How much have I paid Maria? Can you pull all the transactions?" then proceeds to ask to pay her. 1. Understands the context ("same amount I paid last month"). 2. Selects the correct account ("from my savings account"). 3. Executes the payment instantly. 4. Proactively checks compliance and provides a fee warning before the transaction is finalized. This is how you maintain the personal, high touch service your community relies on, while delivering the speed and efficiency of a big bank.

Gen Z doesn't call banks, they don't visit branches, and they don't wait on hold. They expect banking to work like every other app they use: instant, intuitive, and intelligent. If your bank can't deliver that, they'll find one that can. Community banks have done an incredible job building relationships with older generations. That trust is real but if younger customers aren’t served just as well, that customer base inevitably shrinks. Agentic banking lets you serve both. Your older customers get the personal touch they expect. Your younger customers get the speed and intelligence they demand. It's not about replacing your identity. It's about expanding it. Curious what this looks like in practice? We break it down in our Agentic Banking Guide. paymanai.com/reports/agenti…

Fraud is getting smarter and criminals are getting faster but traditional fraud detection is getting slower. By the time your team flags a suspicious transaction, it's often already processed. By the time you investigate, the damage is done and trust is broken. Agentic banking changes this. Our AI analyzes transactions in real time. It spots patterns that humans would miss and it flags anomalies instantly. And because every transaction is logged immutably, you have a complete audit trail. You can see exactly what happened, when it happened, and why the AI flagged it. That's not just better security. That's proactive security. This is what modern fraud prevention looks like.

🚀Payman Chronicles #8 dropped off the heels of Money20/20 - Money20/20 recap: Akash Desai & Tyllen Bicakcic brought our POV on intent + memory + money into real bank convos. Agentic banking = trust + deeper relationships. - Q&A with our newest team member @hrishikeshhh_

🚨: Issue #7 of the Payman Chronicles is here! We are sparking real conversations about how intent, memory, and money work together at Payman. -Intent = the new interface. Akash Desai shows how our agent turns “what you want” into “done.” -Rails = all of them. Tyllen Bicakcic’s takes the stage at DC Fintech and discusses why the future isn’t picking a winner...it’s making every rail work for you.