AI doesn’t decide on a loan and doesn’t know your clients. It prepares a meeting, reads financial statements, structures a credit memo, and helps you review regulations. Bank confidentiality sets the limit: no client name outside the bank’s tools.
AI helps bankers with tasks such as “Explain a loan feature in plain words,” “Prepare a meeting with a business client,” and “Read a client’s financials before a business loan.” Start with a single task, in Claude: allow 5 minutes the first time, and always review the result before you use it.
For each task: how it goes today, then with the tool. And the time it takes the first time.
TodayAnnual percentage rate, deferral, third-party insurance: the client nods, but you can tell they didn’t understand.
With ClaudeA short explanation, a worked example, and a table of benefits and costs, to use in front of the client.
TodayYou see a baker in the morning and a trucking company owner in the afternoon, and you don’t have time to read up on each trade before the meeting.
With PerplexityA one-page brief on the client’s industry, with sources, and ten questions to ask them.
Microsoft Copilot · Copilot Chat, with the bank’s account
TodayThree years of tax filings to go through before the committee, and the risk of missing a worsening working capital requirement.
With Microsoft CopilotA table of key figures over three fiscal years, the ratios with their formulas, and the points to clear up with the client.
Also
A one-page memo, structured the way the committee expects, to complete with your recommendation.
ChatGPT · “Chat” mode
A clear follow-up email, and its variant for the second follow-up, to personalize in the bank’s messaging system.
Gemini Notebook · One notebook per product line
The answer to the client’s question, with the article and the page, and a simple explanation to use in conversation.
Microsoft Copilot · Copilot in Outlook
A summary of the thread and a measured draft reply, to reread and send yourself.
ChatGPT · Voice
An out-loud rehearsal of the conversation, followed by feedback on your phrasing.
Gemini Notebook · “Studio” panel: quiz and flashcards
A two-page study sheet, a quiz, and an audio version of the material.
Perplexity · Research
A sourced report on the rules in force, and five simple sentences for answering clients.
All 10 use cases on this page are in Nova, each with its steps and its prompt.
Try the interactive demoWhat to check
The example is fictitious. The figures you give the client come from the bank’s simulation tool, not from an assistant.
Explain a loan feature in plain wordsClaudeThe prompt to copy
I am a banker. Explain [deferred repayment on a mortgage] to a client with no financial knowledge. Five sentences at most, with no unexplained technical term, with a simple worked example on a loan of [€200,000 over 20 years]. Then present what the client gains and what it costs them, in two columns. State that the figures in the example are fictitious. End with the two questions the client should ask themselves before choosing.
In Nova, “My path” starts from your level: one next step at a time.
The first moves, with free tools.
In your jobFollow up on missing loan documents
In your jobRead a client’s financials before a business loan
In your jobPrepare a meeting with a business client
In your jobExplain a loan feature in plain words
For a team: everyone moves forward in their own job. You see the team’s progress, never one person’s activity.
If your bank runs on Microsoft 365, it is often the only assistant allowed on client documents. It reads attached financial statements and summarizes an email thread in Outlook. With the work account, your data is not used to train the AI.
Recommended planCopilot Chat, included at no extra cost in eligible Microsoft 365 subscriptions. Full license: Microsoft 365 Copilot (large companies), €26.00 excl. tax per user per month, billed yearly
For everything that contains no client data: structuring a credit memo from your notes with no names, explaining a loan feature in plain words, preparing a list of questions.
Recommended planFree, $0
General terms, loan insurance policy documents, fee schedules, training materials: it finds the condition, shows the passage, then tests you with a quiz.
Recommended planFree: 100 notebooks, 50 sources per notebook, 50 questions per day
A business client’s industry, the quarter’s usury rate (France’s legal cap on loan rates), a mortgage rule: an answer with the official sources to open one by one.
Recommended planFree to start. Then Pro, $20 per month (€22 on the French App Store)
For rehearsing a difficult conversation out loud, and for writing template messages that contain no client data.
Recommended planFree, $0
Prices taken from the vendors’ official pages, dated on each tool page. These subscriptions are not included in Nova. Brands are named to identify the tools. No affiliation.
Nova recommends 5 to start with: Microsoft Copilot, Claude, Gemini Notebook, Perplexity, and ChatGPT. All of them can be used for free to get started.
Yes. For rehearsing a difficult conversation out loud, and for writing template messages that contain no client data. The plan to choose: Free, $0.
With “Explain a loan feature in plain words,” in Claude. Allow 5 minutes the first time. A short explanation, a worked example, and a table of benefits and costs, to use in front of the client.
No. Nova is software, not an accredited training provider: it issues no diploma or certification. It costs €19 per month for one person, and €129 per month for a team of up to ten people.