AI in Netherlands

Rabobank's Digital Platform engineering team has been experimenting with AI agents and multi-agent architectures on Azure AI Foundry and the Microsoft Agent Framework to evaluate production readiness. The team documents recurring challenges — supervisor-agent dilution, tool-call failures, non-deterministic orchestration — and shares lessons on prompt design, model selection and continuous evaluation.

ING and Worldline completed Europe's first live agentic payment in production at the Money20/20 Europe event on 2 June 2026, with an AI-powered merchant agent initiating a purchase from an ING cardholder using Mastercard rails and Worldline's pan-European processing infrastructure.

Clear.bio, a Dutch Type 2 diabetes nutrition startup, used Gemini, an AutoML model on the Gemini platform, BigQuery and Cloud Run functions to score healthcare practices as referral partners. Focusing sales on the top 20% of practices lifted high-value partner conversion 30% and cut outreach time by almost 20%, with 92-94% prediction accuracy.

ING and McKinsey & Company deployed a generative AI chatbot for banking customer support in the Netherlands, which handles ~85,000 customer interactions weekly. Built in seven weeks and launched in September 2023, it helped 20 percent more customers resolve issues in its first seven weeks than the previous rule-based bot.

Dutch energy supplier Essent runs AI-first customer service with NiCE Cognigy: an Agent Copilot in Microsoft Teams trained on 1,100+ articles now handles 85% of former helpdesk queries, saving EUR 2 million a year; AI handles all incoming chats first and fully automates 55%; and a voice agent collects meter readings, reaching 22,000 customers in two weeks.

Nebius built Sentinel, a compliance audit agent, on its Agents Blueprint and ran a real FDA guidance-change audit through four configurations. Swapping GPT-5.5 for DeepSeek-V4-Pro on Nebius Token Factory cut cost from $657.19 to $34.63, about 19 times cheaper, and the production setup on Nemotron-Ultra with LangSmith and Snowglobe finished in 12.6 minutes for $23.59, reaching 1.00 recall on a 120-task benchmark.

bunq, Europe's second-largest neobank with 20 million users, rebuilt its in-house AI assistant Finn on Amazon Bedrock around an orchestrator that routes queries to three to five primary agents, which call specialised agents as tools. An 80-person team took it from concept to production in three months; Finn now handles 97% of support, with 70% fully automated and 47-second average responses.

Albert Heijn runs an on-premises Rasa CALM agent across web, mobile and WhatsApp in Dutch, combining about 30 deterministic flows with RAG over its FAQ content. It prevents 50% of human-handled contacts with a 42% quality score, raised satisfaction 0.5 points, and cut missing-stamp contacts 80% by adding stamps automatically.