Park View Federal Credit Union Selects Neural Rails to Launch “Penny,” an AI-Powered Digital Concierge

Myrtle Beach, SC, January 28, 2026 -- Park View Federal Credit Union (Park View) is excited to announce the launch of Penny, a next-generation AI-powered digital concierge designed to enhance the online experience for members and prospective members alike. Powered by Neural Rails, Penny delivers comprehensive answers, personalized guidance, and intuitive website navigation, helping users quickly find the information they need when they need it.

Unlike traditional chatbots, Penny offers a conversational experience that feels natural, intelligent, and highly responsive. By leveraging advanced agentic AI, Penny can assist with everything from answering everyday banking questions to guiding users through products, services, and loan options 24/7.

“Neural Rails harnesses the power of agentic AI and seamlessly integrates onto any website,” said Rick Phillips, Founder of Neural Rails. “Our AI assistant delivers conversational intelligence that goes far beyond simple chatbots or search tools. Once deployed, the platform ingests the institution’s website to create a comprehensive knowledge base and then trains leading AI models, including ChatGPT, Grok, Claude, and Gemini, on that content. The result is an AI assistant that truly understands the institution for direct responses and prevents hallucinations. Penny has become the absolute expert on all things Park View.”

For Park View, Penny represents a meaningful step forward in digital innovation and member service.

“Penny is an exciting addition to our website and a reflection of our commitment to innovation,” said Krista Westfall, Director of Marketing at Park View. “She makes it easier for members and visitors to find exactly what they’re looking for, whether that’s quick answers, loan information, or personalized support, without having to click through multiple pages. Introducing Penny is just one more way we’re enhancing the online experience for our members.”

One of Penny’s most powerful capabilities is her ability to learn and improve over time. Designed to deliver increasingly personalized interactions, Penny’s long-term goal is to recommend the most relevant products and services based on where members are in their financial journey, bringing a more human, consultative experience to digital banking.

“One of the primary challenges Neural Rails solves is recreating the in-branch experience online,” Phillips added. “Penny functions like a 24/7 digital loan officer, answering questions, guiding members through the loan process, and helping them take the next step from the comfort of home. From opening a new account to applying for a loan, Neural Rails acts as the ultimate personal assistant for both members and financial institutions.”

With the launch of Penny, Park View continues its mission to make banking more accessible, efficient, and member-focused, both in-branch and online.

About Neural Rails

Neural Rails has partnered with Omniscia AI to bring their agentic AI platform to financial institutions looking to harness the power of AI for their customers. Ask Jenn (Alaska Airlines), Ask Merrill (Merrill Lynch), Ask Julie (Amtrack), and Sgt. Starr (US Army) are just a few of Omniscia’ s more public facing successes. As consumers rapidly adopt conversational AI, they expect the same experience from their financial services. Neural Rails enables them to stay ahead of the AI curve and meet their customers where they are going, not where they were.

About Park View Federal Credit Union

Since 1969, Park View Federal Credit Union has been more than just a place to bank—we’re a not-for-profit, member-owned cooperative dedicated to helping our members and community thrive. With six branch locations across Harrisonburg and Rockingham County, we provide personalized financial solutions that put people over profits. At Park View, your money stays local, fueling loans for neighbors and businesses while strengthening the community we call home. Learn more at pvfcu.org.