Chief Financial Officer

interface.ai launches Smart Collections - an agentic, multi-channel collections AI Agent built for credit unions and community banks to increase payments. interface.ai New solution automates early-delinquency outreach across voice, SMS, and email and increases payments - combining product-aware playbooks, policy-gated compliance, and self-service controls to improve cure rates while protecting member relationships PALO ALTO, Calif., Feb. 19, 2026 (GLOBE NEWSWIRE) - interface.ai, the leading provider of specialized AI agents for credit unions and community banks, today announced the launch of Smart Collections - a new multi-channel, agentic collections AI designed to help community financial institutions cure delinquency earlier, before accounts roll to later stages and recovery costs rise. Early-stage delinquency is becoming a sharper focus across the industry. Credit unions reported total delinquency of 95 basis points in Q3 2025, and consumer credit data showed 30-59 days past due delinquencies rising to 1.13% in September 2025, nearing pre-pandemic levels - underscoring why earlier engagement and higher-quality outreach matter now more than ever. Built for the reality of community finance: limited staffing, high service expectations, tight compliance Collections leaders at credit unions and community banks are under constant pressure to do more with less - without sacrificing member trust. Smart Collections addresses this with coordinated automated outreach and compliance-by-design: * Outbound Voice AI Agent that can place calls, verify identity (policy-gated), capture Promise-to-Pay, send payment links, and escalate to a human when needed * Two-way SMS AI Agent that supports STOP/opt-out handling, payment link flows, intent detection (pay, dispute, hardship), and compliant cadence controls * Two-way Email AI Agent with deliverability safeguards, templates, reply handling, and preference management * Product-aware playbooks for the products most common in CU/community bank portfolios: * negative balance / overdraft, overdraft line of credit * credit card, auto/RV/boat, personal installment, personal LOC * share/CD-secured credit builder loans * HELOC/home equity * optional mortgage early-intervention workflow with timing gates and notices (where applicable) Differentiated from "point solutions" - comprehensive agentic execution with auditable controls Smart Collections is designed for institutions that want more than a standalone collections workflow system, a digital self-cure portal, or a generic omni-channel messaging tool. Many solutions in the market focus on one layer - collections case management and analytics, a borrower self-service portal, or communications routing - leaving teams to stitch together policies, orchestration, AI behavior, and QA.

Interface.ai has raised $30 million in funding to advance its artificial intelligence solutions for banking. The company, which serves over 100 banks and credit unions across North America, plans to use the capital to accelerate development of generative AI capabilities and expand its team of AI specialists. The startup focuses on transforming customer interactions through advanced voice and chat technologies that handle complex banking queries, from balance checks to loan applications. Its proprietary AI models enable financial institutions to deliver personalised customer experiences whilst improving operational efficiency. The funding will support Interface.ai's strategic growth initiatives, including deepening industry partnerships, expanding its global workforce, and enhancing marketing efforts. The company aims to enable faster integration of its scalable AI solutions into existing banking systems.

Red Rocks Credit Union introduces Roxie, a new virtual assistant designed to transform member service. Red Rocks Credit Union has launched Roxie, a new virtual assistant that brings members faster, friendlier and more modern support. The technology reflects the credit union's growing leadership in digital innovation across the financial services industry. Roxie is available by phone around the clock and is designed to give members quick access to account information, help with everyday questions and a smoother service experience any time they need it. The launch positions Red Rocks among the earliest credit unions in the country to deploy a fully conversational, voice-first assistant built on advanced, agentic AI. The credit union expects the technology to manage more than half of routine inquiries by the end of the year, allowing staff to focus on complex interactions and expanding service capacity without additional headcount. Red Rocks built Roxie in partnership with interface.ai, a leading provider of intelligent service technology for community financial institutions. The platform enables natural conversation, secure authentication and fast information retrieval, reducing wait times and streamlining access for members. "Roxie reflects our commitment to stay ahead of what our members need," said Darius Wise, President and CEO of Red Rocks Credit Union. "People expect service that is simple, personal and fast. Our focus is on creating tools that make their financial lives easier while preserving the human connection that defines who we are. Roxie is an important milestone in our long-term vision to deliver a more responsive and future-ready credit union." Roxie helps members check balances, review recent transactions, find branch information and get answers to common questions through natural voice interaction. Members can call in at any time and receive help immediately without waiting. Roxie verifies identity using multifactor authentication, which keeps member information protected throughout every interaction. The new system also supports greater accessibility and provides consistent service during peak call times and after hours. Other institutions using similar technology have seen improved call resolution, reduced wait times and higher satisfaction among both members and staff. Red Rocks selected interface.ai for its focus on community financial institutions and its strong record in security and compliance. The company's platform is ISO 27001 certified and SOC 2 Type II attested, and aligns with major financial data protection standards. "Technology is evolving quickly and we want to shape that progress in a way that strengthens relationships rather than replaces them," said Josh Henderson, Senior Vice President of IT at Red Rocks Credit Union. "Roxie helps our team focus on the conversations that require a human touch while giving members more control and convenience in the moments that matter. It also lays the foundation for future capabilities that will help us serve members even more effectively." The launch comes at a time when credit unions nationwide are exploring how new technologies can support expanded service hours, reduce cost-to-serve and meet rising expectations for fast, intuitive support. Red Rocks views Roxie as a significant step in its broader strategy to use thoughtful, responsible innovation to enhance financial well-being for its members. The credit union plans to expand Roxie's capabilities over time, including support for more advanced transactions and deeper financial insights as member needs evolve. Roxie is now available to all Red Rocks Credit Union members. More information is available at redrocks.org/virtual-assistant.