WaveCX Launches AI-Driven, Action-Oriented Digital Engagement Tool

By Roy Urrico

Digital banking users sometimes struggle when attempting to undertake basic tasks, including navigating complex menus and disconnected flows, as well as working with overburdened support teams. That’s according to Omaha, Neb.-based WaveCX, which supplies digital engagement layer for credit unions and banks.

Earlier this year, WaveCX launched Curator Command, an artificial intelligence (AI)-driven tool it described as simplifying access to knowledge and powering smarter digital engagement to make digital engagement easier for users.

Jon Tvrdik, CEO and Founder of WaveCX,

“Users should not have to remember where a feature lives or how to get there – they should simply state what they need, and the platform delivers the result,” said Jon Tvrdik, CEO and Founder of WaveCX, who was featured in Finopotamus’ “Tech People in the Know” series. “Curator Command is designed to eliminate this unnecessary friction, elevating digital banking from insight to immediate action.”

Tvrdik discussed with Finopotamus how Curator Command, which WaveCX demoed at FinovateFall 2025, integrates directly with a financial institution’s digital banking platform using a proprietary app specification that maps the banking app’s user interface (UI), user flows, and system logic.

How Curator Command Works

As your audience engagement layer, we wrap around your digital banking solution for the purposes of driving smarter, personalized, more intelligent engagement of your products, services, digital tools. We help with onboarding via product demos. Also, once you are inside of banking, we provide personalized interstitials (full-screen advertisements) that appear between pieces of content,” said Tvrdik. “We also have a generative search tool that helps make sense of all disparate, structured and unstructured data. Because we're all under one platform, all of those tools are connected, more intelligent, and we believe more impactful as a result.”

Curator Command reads the interface structure — including screen hierarchy, component IDs, and dynamic elements — and uses that to shape a live model of a credit union’s app, he explained. At runtime, it analyzes the user’s role, permissions, current screen, and session history to determine the actions available and how to execute them. Wave CX claims there is no need for manual tagging or predefined scripts. Instead, it interprets real-time context to trigger the correct screen, flow, or feature — aligned to a financial institution’s standard operating procedures (SOPs).

Whether a user it is on a mobile device or desktop, Curator Command adapts to the banking app’s layout, logic, and rules. “Curator Command is a really exciting generative search tool that's inside of banking, that helps FI customers and members bypass the sort of somewhat clumsy and stale UIs of old,” Tvrdik said. He added, “If you type into Curator Command something like ‘I lost my card.’ it will look at the bank's SOPs for what they want customers or members like you to do when you lose your card. Then they will also look at the application that you are in to see what tools you have available.”

Key benefits for financial institutions include:

• Reduced support volume and faster resolution.

• Increased adoption of digital tools and services.

• Faster onboarding and lower training costs.

Transforming Requests into Action

Source: WaveCX.

Curator Command transforms natural language requests into direct in-app action. Curator Command expands on WaveCX’s AI-driven, semantic search capabilities, which focuses on understanding the user's intent and the context of an inquiry, rather than just matching keywords.

Curator Command instantly connects users to the right screen, step or solution, streamlining task completion and reducing reliance on manual navigation. The system enables customers and employees to type requests in plain language, understands the intent, reads app structure and real-time context, and activates the appropriate response.

How Curator Command turns common requests into instant action:

• “Pay my car loan” opens the payment screen with fields prefilled based on historical data, including payee, account, amount and date.

• “I lost my card” launches the appropriate flow based on the financial institution’s SOPs, prompts the user to select the affected card, and walks them through locking it.

• “Change my password” triggers a step-by-step demo, then drops the user into the correct settings screen.

• “Do I have enough to cover payroll next week” returns a real-time answer by analyzing current balances, scheduled payroll data and offering to initiate a transfer if needed.

Curator Command adapts to each credit union’s policies, user roles and app structure, rather than relying on prebuilt workflows or manually tagged flows. The platform reads the interface, understands user context and delivers accurate results from day one.

“In a split second (Curator Command) will respond back and say exactly what you should do and then take you to the screen to do it,” Tvrdik explained. “Whereas other chat solutions might say ‘here's an article’ on what you should do if you lost your card, or ‘let me get you over to somebody;’ (Curator Command) says, ‘Hey, lock the card right here.’ Or ‘want to pay your HOA (homeowners association), you could just open it up and say, ‘pay HOA’ and it would load the payment screen with everything prefilled and then triangulate and make a decision in real time about how to help you get from point A to Z and skip all the steps in between.”

Tvrdik noted the commands available can be as wide or as specific as each financial institution wants. “You don't have to (like with chatbots) give it scripts,” said Tvrdik. “Whatever it is it can then execute on the fly. You can also pre-program it with commands and say, ‘no matter what, if somebody asks this or something similar to this, I want to respond in this way.’ You can absolutely do that but the power is that you do not have to do that.”

SDK Integrations

Curator Command provides compatibility with your existing tools, stated Tvrdik. “What you do is you integrate our SDK (software development kit) into your digital banking application. Our app then creates what we call an app spec and says, ‘what are the different features that a user has available to them?’” He added then based off of that as well as being trained on the SOP of the credit union or bank, Curator Command then gets populated in the UI as yet another element, a search bar that now knows what app it is in, knows the user's data, “all via our SDK integration.”

Tvrdik further explained, “This is a brand-new technology. It is not with any credit unions yet. We are rolling it out with some of our banking partners, our platform partners, initially. But I can tell you credit unions are going to love it because it can very quickly understand how a credit union wants to work with its members and ensure that it is helping members skate or skip around the UI of banking to execute commands, as sort of a white glove credit union experience.”