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02/04/26

Introducing Autopilot: The Tech

In this technical overview, we walk through how Autopilot works behind the scenes, including how it evaluates signals, applies guardrails, and continuously learns to deliver smarter outcomes for customers. You’ll get a closer look at the architecture, decision logic, and design principles that power automated actions across the Cleo platform.

Dive Deeper

  1. How We Developed Voice: What If Your Money App Could Actually Talk to You?

    Text can inform — but voice can connect. In this video, we show how we gave Cleo a real-time voice interface that listens, responds, and meets users with empathy, speed, and tone that fits the moment.

  2. Building Cleo’s Memory: The Tech Behind AI Memory

    What if your money app actually remembered what mattered to you? At Cleo, we built memory to make every conversation more personal, supportive, and human.

  3. Leveraging Financial Data with Commodified AI: How Cleo Turns Bank Transactions into Real Insights

    Your bank shows what you spent — but Cleo tells you what it means. In this video, we show how Cleo transforms financial data into insights you can act on, using real-time AI agents and deep-dive models that actually understand your money habits.

  4. The Emotional Side of Personal Finance: Why Budgeting Often Fails

    What if the #1 reason you can’t stick to a budget isn’t money—it’s emotion? At Cleo, we’re uncovering how emotional spending quietly drives financial decisions and how AI can help.