What it does
Chat Concierge coordinates several specialist agents to help a customer research and buy a car. Capital One’s Prem Natarajan described it publicly in 2025; NVIDIA GTC talks by Milind Naphade covered how it was built. Evident’s 2025 AI Index ranks Capital One second overall and first on talent density (about one in fifteen employees in AI roles).
Architecture
A customer channel talks to an orchestrator. Specialists handle inventory, financing, and eligibility. The bank has said the same agentic framework is being reused for other internal tools.
Evidence
Evident AI Index 2025 and Evident’s “Banks go agentic.” Independent of vendor marketing.
Caveat
Capital One publishes little operational telemetry (containment rate, handoff quality, loss given error). The architecture is public; the P&L is not.