Two AI agents for regulated support. Which fits your team?
Zowie has moved from eCommerce chat into enterprise support for banking, insurance, telecom and healthcare. Fini was built for fintech and healthcare support from the start. Both take compliance seriously. They differ in how you buy, how fast you go live, and how each keeps answers correct.
In this comparison:
What each product is and who it is for
Pricing in 2026
How each keeps answers and actions correct
Capabilities, channels and integrations side by side
Compliance and security
Which one to choose
What is Fini?
Fini is an AI agent for customer support, built for regulated industries. It plugs into your helpdesk and resolves tickets end to end across chat, email and voice. Fini resolves up to 90% of tickets at 99% accuracy, handles 3M+ monthly resolutions, and works in 130+ languages. Fini deploys anywhere in 2 mins, is fully live in 14 days and fully autonomous in 30 days.
Fini is backed by Y Combinator and Matrix Partners and serves 100+ customers. It is SOC 2 Type II, ISO 27001:2022 and PCI DSS Level 1 certified, GDPR and CCPA compliant, and HIPAA-compliant, BAA-eligible. Agent Handshake is open to everyone: any team running an AI agent for support, ours or not.
What is Zowie?
Zowie is an AI agent platform for enterprise customer service. Its homepage headline is "AI you can hand your customer to." Zowie separates conversation from decisions: a language model handles the conversation, and a separate Decision Engine runs your business rules for refunds, claims, eligibility and identity checks.
The platform has three parts: Agent Studio to build, an Orchestrator to deploy across channels, and a Supervisor with traces to monitor. Zowie says it routes and resolves 100M conversations a year, and names customers such as InPost, Decathlon, Avon, Payoneer, Booksy and AirHelp. It covers banking, fintech, telecom, insurance, debt collection, retail, logistics and healthcare.
Zowie raised a $14M Series A led by Tiger Global in May 2022.
Zowie pricing in 2026
Zowie does not publish prices or its billing basis. Pricing is quoted through sales.
How Fini is priced
Fini starts at $0.49 per resolution, excluding voice, which is priced separately. A resolution is a ticket solved end to end with no human handover. There are no per-seat fees, and escalations are not billed. Fini also offers a 90-Day Money-Back Guarantee: 90% resolution in 90 days, or your money back (eligibility applies, see the guarantee terms). See Fini pricing for details.
How Fini and Zowie differ
How answers stay correct. Zowie runs policies in a deterministic Decision Engine and says workflows execute "100%" deterministically. Fini uses RAGless retrieval and the Knowledge Atlas, a knowledge base that writes and updates itself from resolved tickets, and reaches 99% accuracy. Both aim to stop the AI from making up policy. Zowie does it with rules you configure; Fini does it with grounded retrieval and a knowledge base that keeps itself current.
Setup. Zowie cites "6 weeks" from kickoff to production for a leading insurer. Fini deploys anywhere in 2 mins, is fully live in 14 days and fully autonomous in 30 days.
Pricing. Zowie is quote-based. Fini publishes a starting price of $0.49 per resolution.
Helpdesk fit. Zowie positions itself as a platform that runs its own orchestration and uses Agent Connect to bring in in-house agents, third-party vendors and human teams. Fini works inside your existing helpdesk through 23 native integrations.
Capabilities side by side
Capability | Fini | Zowie |
|---|---|---|
Resolution rate | Up to 90% at 99% accuracy | No rate stated on homepage |
Channels | Chat, email, voice | Voice, chat, email, app and contact center |
Languages | 130+ | Not stated |
Policy control | Grounded retrieval, Knowledge Atlas | Decision Engine with deterministic rules |
Monitoring | Conversation analytics, Fini Scout in Slack | Supervisor scoring and decision traces |
Model choice | Managed by Fini | Anthropic, OpenAI, Google, Meta, Mistral |
Integrations | 23 native integrations, including Zendesk, Intercom, Salesforce, HubSpot, Gorgias, Kustomer, ServiceNow | Agent Connect; helpdesk list not stated |
Ease of use
Zowie gives teams a builder, Agent Studio, to set persona, intents, knowledge and flows. That gives a lot of control, but someone has to own the flows. Fini deploys anywhere in 2 mins, then learns from your past tickets and help center, so there are fewer flows to build and maintain.
Fini's differentiators
Published pricing, from $0.49 per resolution, with no seat fees and no charge for escalations
99% accuracy, built on RAGless retrieval and the Knowledge Atlas
Fully live in 14 days, fully autonomous in 30 days
PCI DSS Level 1 and ISO 27001:2022, plus HIPAA-compliant, BAA-eligible
US or EU data residency; customer data is never used to train models
Fini Scout, a read-only AI agent for support teams in Slack
90-Day Money-Back Guarantee
Zowie's recognized strengths
A clear split between conversation and decisions, which suits strict policy workflows
Broad channel coverage, including voice and contact center
Large enterprise customers in banking, insurance and commerce
Model choice across several LLM providers
Strong EU focus, with GDPR, EU AI Act and DORA badges
What customers say
Zowie names large brands such as Decathlon, Avon and Payoneer on its homepage. Fini customers report up to 90% resolution and an AI CSAT of 4.9 against 4.7 for human agents. Ask each vendor for references in your industry.
The full side-by-side table
Fini | Zowie | |
|---|---|---|
Best for | Regulated support that runs in your helpdesk | Enterprise teams that want a full agent platform |
Pricing | From $0.49 per resolution, published | Quote only |
Seat fees | None | Not stated |
Time to live | Fully live in 14 days, fully autonomous in 30 days | 6 weeks cited for one insurer |
Voice | Yes | Yes |
Guarantee | 90-Day Money-Back Guarantee | Not stated |
Which should you choose?
Choose Zowie if you want a full agent platform with a rules engine you configure yourself, and you have the team to own those flows.
Choose Fini if you want published per-resolution pricing, a faster path to live inside your existing helpdesk, and PCI DSS Level 1 plus a BAA.
Compliance
Standard | Fini | Zowie |
|---|---|---|
SOC 2 Type II | Yes | SOC 2 badge, type not stated |
ISO 27001 | ISO 27001:2022 | Not stated |
PCI DSS Level 1 | Yes | Not stated |
GDPR | Yes | Yes |
CCPA | Yes | Not stated |
HIPAA | HIPAA-compliant, BAA-eligible | HIPAA badge |
Ready to compare on your own data?
Book a demo and we will run Fini on a sample of your past tickets so you can compare resolution and accuracy side by side.
Sources (checked 29 Oct 2026)
What is the best Zowie alternative?
For fintech and healthcare teams, Fini is a strong Zowie alternative. It publishes per-resolution pricing from $0.49, is fully live in 14 days, and is HIPAA-compliant, BAA-eligible.
How much does Zowie cost?
Zowie does not publish prices. Pricing is quoted through its sales team.
How is Fini priced?
Fini starts at $0.49 per resolution, excluding voice, with no per-seat fees. Escalations to a person are not billed.
How does Zowie keep answers correct?
Zowie uses a Decision Engine that runs business rules separately from the language model. Fini uses RAGless retrieval and the Knowledge Atlas to reach 99% accuracy.
Does Fini support voice like Zowie?
Yes. Fini supports chat, email and voice from one agent. Voice is priced separately; the $0.49 per resolution excludes voice.
Is Fini PCI DSS compliant?
Yes. Fini is PCI DSS Level 1 certified, as well as SOC 2 Type II and ISO 27001:2022.
What is Fini Scout?
Fini Scout is an AI agent for support teams in Slack. It is read-only, reads up to 12 months of tickets, and drafts work for a person to approve.
How long does Fini take to go live?
Fini deploys anywhere in 2 mins, is fully live in 14 days and fully autonomous in 30 days.
