AI Banking Solutions for Community Banks | Intersect
Community and Regional Banks
Compete and Win Through Human-Centered AI
Community banks and credit unions face increasing pressure as customers expect faster, easier, and more intuitive experiences. While people value local businesses and community-based institutions, many still choose larger banks because the digital experience feels more convenient. Our mission at Intersect is to help community and regional banks compete by reducing friction, improving service outcomes, and applying AI in practical, human-centered ways.
The Challenge
Community banks and credit unions are consolidating at one of the fastest rates in decades. Today, the United States has roughly 9,000 community based financial institutions, down from more than 15,000 at the start of the 21st century. These institutions are the lifeblood of local economies. They provide an estimated 65 percent of small business lending and more than 80 percent of agricultural and farm lending nationwide. Small businesses employ the majority of working Americans, and local farming still sustains many communities. When community banks lose ground, entire regions feel the impact.
The Solution
Intersect leads AI transformation with an advisory and outcome focused approach. We begin by understanding your bank, your customers, and your challenges. Through clarity sessions and workshops, we identify the opportunities that will increase deposits, expand relationships, and improve service. Once the right outcomes are defined, IBM watsonx becomes the platform that helps operationalize solutions such as AI assistants, workflow automation, and enhanced decision support.
Transforming Customer Engagement
Improving customer engagement is about reducing friction and making everyday interactions easier. Intersect helps banks enhance service through AI-powered support, automated workflows, and intelligent routing so customers get answers quickly, consistently, and without unnecessary steps. These capabilities complement existing digital banking platforms and help teams deliver a better overall experience.
Agentic AI for Banking
Agentic AI gives community banks access to capabilities that were once out of reach. With IBM watsonx, we help unify information, provide always-available support through digital assistants, and automate complex service tasks so staff can focus on higher value work. These solutions become impactful only after the right use cases are identified, which is why Intersect begins with consulting rather than tools.
Helping Community Banks Support Local Businesses
Community banks succeed when their communities succeed. They support local entrepreneurs, family-run businesses, and the economic fabric that holds towns and cities together. These institutions understand their customers on a personal level and invest directly in their growth. The continued strength of community banks protects the small businesses, family farms, and community values that define the American way of life.
Governance and Compliance for Banking
Banks must adopt AI in a way that is responsible, explainable, and aligned with regulatory expectations. Intersect helps ensure your AI initiatives are governed correctly, monitored effectively, and implemented with confidence. IBM watsonx.governance provides the tools needed to manage risk, maintain transparency, and stay audit ready.
Why Work with Intersect for AI-Powered Banking Solutions
Our Approach
Our engagement model is designed for clarity, alignment, and measurable outcomes.
Discovery and Qualification
Understanding the bank, its goals, its challenges, and where friction exists
Clarity Sessions
Reducing fear, uncertainty, and confusion around AI so leadership and staff feel confident moving forward
Advisory Workshops
Full-day or multi-day sessions that uncover real use cases, opportunities, and challenges across the institution
Prioritization and Roadmapping
Focusing on the highest impact opportunities tied to deposits, wallet share, staff efficiency, and customer experience
Proofs of Concept Built with IBM
Creating a safe environment to test and validate solutions powered by watsonx before full deployment
Deployment and Scaling
Implementing the right solutions in production and integrating them into daily operations
Ongoing Support and Adoption
Ensuring teams adopt new capabilities and continue to see measurable value over time
This motion ensures banks understand exactly how AI can support their goals and how solutions will be rolled out.
Explore the Potential of AI for Your Bank
Discover how your bank can compete and grow with the right strategy, the right outcomes, and practical AI solutions that support your teams.