Agent IQ
Agent IQ sells Lynq, a digital relationship banking platform for community banks and credit unions in the United States and Canada. Account holders can pick their own banker and keep talking to that person across chat, messaging, video and phone, with AI handling routine questions.
Lynq AI answers account holders from a knowledge base the institution approves through its Smart Control workflows, and Smart Assist gives staff an AI knowledge assistant. Conversations can be translated in real time. Agent IQ partners with Q2 and Narmi to bring Lynq to their digital banking customers.
Park National Bank and BAC Community Bank are quoted as customers, and Agent IQ cites 60 percent adoption at account opening alongside Park National's quote. Each institution gets a dedicated in region instance on AWS or Google Cloud, and Agent IQ holds SOC 2 Type II. Agent IQ, Inc. is based in Austin.
Capability Axes
Capability grades
15 of 15 axes rated · 9 graded A or B
Self service answers, a staff knowledge assistant and live translation run on models, but they sit on a relationship banking system of chat, video and banker assignment that would stay useful without them.
Lynq answers only from a knowledge base the institution approves through Smart Control workflows, and 86 percent of digital customers have chosen a banker of their own to route to. Handoff rules are each institution's to set and aren't published.
The 75 percent self service rate measures containment rather than correctness, and no answer accuracy or error analysis is published.
Park National Bank's chief marketing officer is quoted alongside 60 percent adoption at account opening, a named bank tied to a figure. Higher balances and loan uptake are claimed too, without a customer attached.
Whether conversations train the self service models, or whether learning crosses between institutions competing for the same customers, isn't stated.
The June 1, 2026 privacy policy covers the website and business contacts, not the account holder conversations Lynq holds for banks, and no retention or deletion terms cover those records.
SOC 2 Type II is stated, and the report is available on request to partners, though there's no public trust portal.
Automated banking conversations touch fair treatment, complaint handling and language access expectations, and none of those obligations is mapped to the product.
Live translation, WCAG 2.1 AA accessibility and a route to a human banker all reduce exclusion, but none comes with a measurement or governance process behind it.
The correction route for a wrong answer is a person, and 78 percent of users wait for their primary banker. Commercially, though, Agent IQ publishes no commitment for when Lynq gives wrong information.
AWS and Google Cloud are the named hosts, but no model provider for self service, the staff assistant or translation is named, and there's no subprocessor list.
Q2's own release announces an expanded partnership to bring Agent IQ to its customers, and Narmi has announced one too, so the product reaches the digital banking platforms community institutions already run.
Each institution gets a dedicated single tenant instance in its own region, though the regions aren't listed and on premise isn't offered.
Engagement starts with a demo request, and no price or billing unit says whether cost scales with account holders, conversations or bankers.
Banks and credit unions in the United States and Canada are the market, addressed as community institutions in general rather than segment by segment.
Compared With
Most editorial comparisons pair two vendors the index assesses as direct competitors for the same buyer. Some pair vendors that are adjacent rather than rival, where the useful question is where one ends and the other begins. Each carries a verdict, the buyer conditions that favor each vendor, and a graded side by side.
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Pricing
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