Yes. Your interactions with Nikki are protected by the same industry-leading privacy and security features as your Mobile Banking app and Online Banking. Our systems are designed to safeguard your information using advanced encryption and security protocols. We regularly update our security measures to protect against any potential threats, ensuring your data remains confidential and is handled with high standards of privacy and security.

Nikki is your virtual assistant, not an actual person. She uses artificial intelligence (not generative AI or large language models) to analyze your words to understand your question. Based on her understanding, she will select the most appropriate response form a pre-defined set of answers. This process involves leveraging natural language processing to interpret and respond to your questions. Responses are not based on vast datasets of external information because she does not use generative AI or large language models. Her responses were built by us.

Nikki also offers you personalized insights to help you stay on top of your finances when you are logged into mobile or online banking. Rest assured, your privacy and security are most important, an all analyses are conducted with confidentiality.

Nikki’s responses are based on the most likely match to the questions people ask. When she doesn’t recognize someone’s question or doesn’t have an answer, she may ask you to rephrase your question so she can try to understand better or will give you the option to connect with a member of your Customer Care Team.

When you chat with Nikki, she gathers information about what types of responses are most helpful based on your feedback and questions. A team of Trusted Advisors at Wood & Huston Bank will review Nikki’s conversations and refine her responses to make sure she keeps up with the latest topics and answers. Your interactions will help her understand and respond to a wide variety of questions more accurately.

Should Nikki provide an incorrect response, please let us know via chat or by phone so that we can help her learn and provide the best experience possible.

For account specific information, you will need to be logged into your mobile banking app or online banking. You may ask general financial questions to Nikki, without logging in.

Nikki is available in English.