Express Banking: Digital Banking Point 2.0 and AI Soundbox bring conversational, multilingual and real-time intelligence to everyday banking
Axis Bank, in collaboration with Hitachi Payment Services, has unveiled two AI-powered solutions—Express Banking: Digital Banking Point 2.0 and AI Soundbox—to make banking and payment experiences more intuitive and accessible.
Express Banking: Digital Banking Point 2.0 builds on Axis Bank’s Digital Banking Point launched at Global Fintech Fest 2025. The upgraded platform uses conversational AI to help customers access services, fill and validate forms, and complete banking journeys through natural-language interactions. Available in self-service and assisted modes, it supports services including account opening, instant card issuance, fixed deposits, loan applications, bill payments, cheque deposits and passbook printing.
The solution, already deployed at institutions and workplaces including IIM Ahmedabad, Lovely Professional University, Chandigarh Group of Colleges, Capgemini and Sattva Knowledge City, also integrates with Hitachi Payment Services’ Android-based ecosystem, including Cash Recycling Machines.
The AI Soundbox transforms the traditional payment notification device into a voice-enabled merchant assistant. Merchants can ask questions such as “What is my total sale value today?” and receive instant responses. Available in 12 Indian languages, it also uses intelligent capabilities to optimise power and connectivity and resolve select operational issues.
Sanjeev Moghe, Group Head – Branch Banking, South, Axis Bank, said, “At Axis Bank, we are focused on using technology to make everyday banking simpler, smarter and more responsive to customer needs. Developed in collaboration with Hitachi Payment Services, Express Banking: Digital Banking Point 2.0 marks another step towards building more seamless and future-ready banking experiences.”
Vinit Bajaj, Group Head – Acquiring & Cards, Axis Bank, said, “At Axis Bank, we are focused on building solutions that simplify business operations and create meaningful value for merchants. Our partnership with Hitachi Payment Services on the AI Soundbox brings together trusted payments infrastructure and intelligent, voice-led technology to help merchants access business insights, manage daily operations, and transact with greater confidence. This collaboration reflects our shared commitment to making innovation practical, accessible, and impactful for businesses across India.”
Sumil Vikamsey, MD and CEO – Cash Business, Hitachi Payment Services, said, “With Digital Banking Point 2.0, we are bringing conversational AI into the branch banking environment, enabling customers to access banking services with greater ease. Together with Axis Bank, our focus is on creating intelligent, accessible banking touchpoints that bring more services closer to customers while enabling banks to deliver a more connected experience.”
Anuj Khosla, CEO-Digital Business, Hitachi Payment Services, said, “With the AI Soundbox, we are taking merchant payments beyond transactions, transforming the Soundbox into an intelligent assistant at the merchant counter. Together with Axis Bank, our focus is to make AI practical and purposeful—helping merchants spend less time managing technology and more time serving customers and growing their businesses.”
