Glia vs Quiq (2026)

Agentic Workflows ships pre-built connections into banking cores, digital and online banking, card management, payments, and disputes and account services.

The workflows are transactional rather than informational, such as unlocking online banking, freezing a card, adding a travel notification, transferring between accounts and replacing a damaged card, each a write into a system of record executed from the interaction.

Where a connector does not exist, Glia Functions lets the institution deploy its own JavaScript to build the integration, and Glia also runs a separate partners and integrations portal.

Sourceglia.com/agentic-workflowsread 2026-09-05

AI Studio offers no-limit integrations connecting to any database, CRM or business tool, and the platform pulls from existing customer records and business systems securely, so the agent reads and acts against the enterprise's own records. Named enterprise systems include Salesforce, Zendesk and ServiceNow. A REST API and webhooks let a customer's systems both call in and be notified, and full-code development paths sit alongside the no-code builder. A Carahsoft partnership carries the same platform into government procurement.

Sourcequiq.com/platform/ai-studioread 2026-09-05

Agentic Workflows, a recent Glia launch, turns an institution's approved procedures into governed AI actions that complete multi-step banking tasks inside a single screen, each run against a codified process. A workflow starts from a pre-built template, from a description in natural language, or from uploaded internal standard operating procedures and historical interactions.

At run time CoPilot scans the live interaction and prompts the agent to run the workflow matching the inquiry. The workflow then fills in information, suggests next steps and completes actions across connected systems while the agent stays in the conversation. Glia calls this execution model AI reasoning under governed execution.

Sourceglia.com/agentic-workflowsread 2026-09-05

Quiq's AI Agents complete complex multi-step tasks toward a goal through Process Guides instead of hard-coded scripts, and each agent chooses its own path to the outcome. A single agent deploys across messaging, voice and email at once, and Quiq cites a global retailer running one agent across four brands, seven countries and four channels, adapting to each brand's voice in real time. Agentic workflows, customer-facing AI Agents and agent-facing AI Assistants work as one connected system, and AI Studio builds them with no-code, low-code or full-code paths.

Sourcequiq.com/agenticairead 2026-09-05

Inbound work reaches the agent by phone, chat, video and messaging across the institution's digital properties, phone lines and mobile apps, with context carried when the customer moves between them.

Outbound, Glia Outreach runs automated voice and SMS campaigns that convert indirect borrowers, prompt CD and share-certificate renewals and reduce delinquencies, then transfers the call to a specialist when the member is ready to act, so the agent starts conversations as well as receiving them. Callers are greeted with a message personalized to their history. Glia Functions also supports scheduled invocations on cron expressions, so work can start on a clock with no human or customer involved.

Sourceglia.com/glia-outreachread 2026-09-05

Coverage spans voice, web chat, SMS, WhatsApp, email and social messaging, with Voice AI the most recent addition and context carried across every channel instead of each running its own bot, and Quiq cites one agent serving four channels across seven countries at once. Conversation Starter, a browser client, adds a chat UI with Proactive AI to a website, so the agent can open a conversation on a page instead of waiting to be asked, and webhooks let an external system notify the platform of an event.

Sourcequiq.com/agenticairead 2026-09-05

The AI assistants are built on the Glia Knowledge Bank, a single source of answers and content the financial institution has reviewed and approved, so the assistant only says what the institution has sanctioned, and a proprietary approvals framework enforces that boundary at runtime. The corpus stays under the institution's control and is fed and maintained from its own material.

Workflows are generated from uploaded standard operating procedures and internal documentation, and CoPilot surfaces that institutional knowledge into live interactions so an agent can answer complex product questions without leaving the conversation. Phone virtual assistant responses are generated from prior agent interactions through a learning loop, so the knowledge is refreshed from live traffic rather than loaded once.

Sourceglia.com/ai-copilotread 2026-09-05

Customers bring their content as-is and Quiq structures and prepares it automatically, and the platform pulls from existing customer records and business systems securely. Answers are generated from that company knowledge and data rather than from model recall, and the same corpus serves every channel a single agent runs on. Quiq does not describe the index, refresh cadence, chunking or source level citation.

Sourcequiq.com/platform/ai-studioread 2026-09-05

The ChannelLess architecture carries full context as a customer moves between chat, voice and video, so they do not reauthenticate or repeat themselves, and a handoff from AI to a human passes context with it. Beyond a single interaction, Glia personalizes greetings using a caller's previous interactions and call history, which reaches across separate conversations. There is no persistent agent memory store with a scope, lifetime or deletion control, and no memory product. What the platform holds is interaction history.

Sourceglia.com/ai-chatbot-bankingread 2026-09-05

Context follows the customer across channels, so a customer can start on chat, move to a phone call and land with a human agent with context carried the whole way, the human sees the full interaction history, and a single agent adapts to each customer's history in real time across brands and channels. This is continuity within a journey plus retrieval against stored interaction history, not state the agent forms and keeps with a set scope, lifetime or deletion control, and no memory product appears in the platform.

Sourcequiq.com/agenticairead 2026-09-05

When building an Agentic Workflow, the institution chooses the steps and then decides where AI completes actions autonomously and where human approval is required, with the two states named Human Approval and Fully Autonomous. The customer keeps control of when AI acts independently and when approval is needed, so every workflow stays aligned to its own policies and risk tolerance.

Underneath, a proprietary approvals framework governs what the AI is permitted to say, firmly enough that Glia sells a contractual guarantee against hallucinations and prompt injections, and assistants answer only from institution-approved content. In conversations, the AI recognizes when human help is needed and hands off with context intact.

Sourceglia.com/agentic-workflowsread 2026-09-05

Every AI decision is verified before it reaches the customer, through guardrails, claim verification and full decision logs, so an unsupported claim is caught before a customer sees it.

Handoff to people goes into the Digital Engagement Center with the complete interaction history, so a person picks up mid-journey without the customer repeating themselves, and AI Assistants keep humans in the loop on the agent side. Conversation Analyst audits whether a human contradicted the AI or a customer was asked to repeat information after escalation. Verification is automatic, not a human approval queue, so no person signs off each action.

Sourcequiq.com/agenticairead 2026-09-05

Certifications include SOC 2 Type 2, PCI DSS, HIPAA/HITECH Type 1 and CCPA, and Glia states PCI Level 1 specifically, presenting it as going beyond SOC 2 Type II. Around that sit scheduled third-party penetration testing, a TDD development process with manual and automated security checks on OWASP principles, a 24/7 intrusion detection system with daily log review, encryption in transit and at rest, PII masking, dedicated security staff holding CISM, CISA and CRISC credentials, employee background checks and a public bug bounty program.

For access, the development toolkit includes customer-managed SSO integrations alongside user and session management, and customers, as data controllers, determine how long information is retained and can request modification or deletion, which makes retention customer-configured. ISO 27001, FedRAMP/FISMA and SSAE-16 SOC 1, 2 and 3 are controls Glia inherits from Amazon Web Services, its cloud provider. The two-factor, logged, least-privilege access in Glia's Personnel pillar governs Glia's own employees.

Sourceglia.com/securityread 2026-09-05

Quiq cites SOC 2 Type II certification and HIPAA compliance, with GDPR and CCPA alongside, supported by regular penetration testing, real-time intrusion detection, encryption in transit and at rest, a defense-in-depth posture, and background checks and mandatory training for all employees and contractors. A security whitepaper is available for download.

Customers set access controls in their own tenant, including a Require Two-Factor Authentication toggle enforcing 2FA for all users, domain whitelisting restricting which domains may be used, IP address range restrictions on agent applications and APIs, and email domain checking when users and bots are created or updated. No trust center or obtainable report is published.

Sourcequiq.com/platform/securityread 2026-09-05

Agentic Workflows keeps full audit trails in which every step, every decision and every system action is captured and auditable, serving as the compliance record for regulated execution, alongside a built-in end-to-end reporting dashboard that surfaces bottlenecks and process-improvement opportunities.

The audit record also leaves the platform on the customer's terms, through event-based exports that push structured audit logs with customizable payloads to CRMs, data lakes and other external systems to meet compliance requirements. Glia Analyst adds interaction-level analysis and on-demand reporting across interactions. These records cover Glia's own execution.

Sourceglia.com/agentic-workflowsread 2026-09-05

Full decision logs are part of the governance layer, so every AI decision leaves a record of what was decided and on what basis, and AI Studio's simulation shows exactly what the AI is doing at each turn of a conversation. In production, Conversation Analyst audits voice, chat and SMS interactions continuously against customer-defined KPIs instead of sampling, catching specific failures such as a human contradicting the AI or a customer being asked to repeat information after escalation. Version control records what was live when, with responses comparable across versions.

Sourcequiq.com/agenticairead 2026-09-05

Hosting is exclusively on Amazon Web Services, and Glia's privacy policy tells users outside the United States that their information may be transferred to and processed in the United States. The architecture is triple-hot redundant, with a stated 99.99999% uptime and zero planned downtime. There is no region the customer can select, no in-region or single-tenant option and no on-premise deployment. Glia publishes no DPA or subprocessor list and says compliance with GDPR and CCPA is detailed in customer agreements, so residency terms are set at contract level.

Sourceglia.com/security-compliance/privacy-policyread 2026-09-05

Quiq's security page describes a fault-tolerant design with redundancy across three or more data centers in each region, so the platform runs in more than one region and a customer's data sits in one of them, alongside auto-scaling and a microservices architecture. No page names the regions, offers a customer-selectable region or describes moving between them, there is no self-hosted, private-cloud or single-tenant option, and whether a region is chosen at provisioning is not stated.

Sourcequiq.com/platform/securityread 2026-09-05

Agentic Workflows comes with named templates that customers can customize, namely Unlock Online Banking, Add Travel Notification, Freeze Card, Check Balances, Review Transactions, Transfer Between Accounts, Replace Damaged Card and Build Your Own. Alongside them sits a named product set a customer adopts as units, Glia Banker, Glia Outreach, Glia CoPilot and Glia Analyst. Underneath both, the voice agent ships pre-packaged for more than 1,000 banking journeys out of the box, with no bot building, integration work or training required.

Sourceglia.com/agentic-workflowsread 2026-09-05

AI Agents facing customers and AI Assistants supporting human agents ship as distinct product types, with industry solution pages for retail, travel and hospitality, consumer services and financial services. There is no agent library, template gallery or marketplace for customers to browse and put into service, and agents are built in AI Studio with no-code, low-code or full-code tooling, with Process Guides defining behavior per task.

Sourcequiq.com/platform/ai-studioread 2026-09-05

Glia names no underlying model provider, publishes no model selection or routing configuration and offers no bring-your-own-key path. Its contractual guarantee against hallucinations and prompt injections is enforced by a proprietary approvals framework. The platform is sold as turnkey AI that ships pre-packaged for banking journeys. Amazon Web Services is the hosting environment.

Sourceglia.com/banking-ai-workforceread 2026-09-05

In AI Studio, customers select from leading AI models, mix and match them within a single workflow, and switch models at any time without rebuilding the setup, with no vendor lock-in. Redundancy across the model layer supports uptime.

Sourcequiq.com/platform/ai-studioread 2026-09-05

Glia offers REST APIs, software development kits and data export tools. An off-the-shelf development toolkit embeds Glia in web and mobile apps and manages users, sessions and SSO integrations, and event-based exports sync engagement data in real time to CRMs and data lakes. Glia Functions is a customer-facing serverless platform where the customer deploys its own JavaScript to build integrations and customizations inside Glia.

Glia's own public GitHub organization (salemove, the former company name, 90 public repositories) carries glia-functions-tools, which holds a Functions CLI, first-party web, iOS, Android and Ionic widget SDKs, and an MCP server exposing roughly two dozen tools so an AI assistant can create, deploy and schedule functions programmatically. The platform API is at api.glia.com on bearer-token authentication, with service-credential API keys also supported. The developer hub at docs.glia.com sits behind a login.

SourceGlia extensibility page, github.com/salemove/glia-functions-tools and the salemove widgets SDK repositories; glia.com/extensibilityread 2026-09-05

Documentation at developers.quiq.com covers a REST API for building chat applications on any platform, webhook event notification, a browser-based client for chat and messaging channels, a guide for developing custom bots, rich message formats, and AI Studio for building serverless AI assistants.

AI Studio offers no-code, low-code and full-code development paths and no-limit integrations connecting to any database, CRM or business tool. An llms.txt at knowledge.quiq.com indexes every documentation page in Markdown with endpoints in OpenAPI, and appending .md to any documentation URL returns its machine-readable markdown form.

Sourcedevelopers.quiq.com/docs/homeread 2026-09-05

Through Glia Analyst, quality management and coaching run across interactions, checking whether agents met banking compliance requirements and how they handled conversion and empathy. Agentic Workflows ships a built-in end-to-end reporting dashboard that identifies bottlenecks and future automation opportunities, so a change can be judged against readable outcomes once it is live.

There is no simulation, scenario set, regression suite or scored pre-release evaluation of a proposed AI agent or workflow. Analyst is built for coaching human agents and planning staffing, and it scores the interaction and the representative. The Glia Functions CLI supports local development of serverless functions and tests that integration code.

Sourceglia.com/ai-analystread 2026-09-05

Before launch, AI Studio offers simulation showing exactly what the AI is doing at each turn of the conversation, organized testing that groups tests by scenario so updates do not introduce regressions, and built-in version control that compares responses across versions and rolls back at any time. A change has to pass the scenario-grouped regression suites. After launch, Conversation Analyst replaces manual quality sampling with continuous auditing of voice, chat and SMS interactions against KPIs and prompts the customer defines, so every interaction is scored rather than a sample.

Sourcequiq.com/platform/ai-studioread 2026-09-05

CoBrowsing and Live Observation let a representative see and co-navigate the customer's own browser during an interaction, and Live Observation extends to capture bubbles, alerts and picker menus so the operator sees the whole screen. This is a tool for human representatives, a person working inside an interface with the customer present and consenting.

There is no hosted browser session, virtual desktop or agent-driven interface control. The agent acts through programmatic routes instead, with pre-built connections into banking cores, card management and payments, workflows that execute account-level actions in those systems, customer-deployed Glia Functions and a REST API at api.glia.com.

Sourceglia.com/high-touch-interactionsread 2026-09-05

Agents act through software, connecting to any database, CRM or business tool, acting against existing customer records and business systems, and reaching people over voice, chat, SMS, WhatsApp, email and social. Quiq has no browser control, hosted session or interface automation. Its browser-based component is a client library that renders a chat UI on the customer's website.

Sourcequiq.com/agenticairead 2026-09-05