Bankingvoice

Voice banking money transfer

Customer calls and talks; voiceprint, security question and OTP verify them; transfer completes agent-free.

In short

Voice banking money transfer is an agent scenario in the Banking sector running on the voice channel. Trigger: "I want to send money" call arriving at the call centre over SIP. The Voice Transaction Supervisor coordinates 4 specialist agents (Speech Agent, Identity Agent, Transfer Agent, Dialogue Agent) across 4 systems (Genesys SIP, Core Banking, Fraud Engine, SMS Gateway); of 10 steps, 1 write to systems and 2 are checks or approvals. Outcome: Transfer executed in core banking, spoken and SMS confirmation given, recording archived. Approval rule: Amount > 50,000 or new payee → warm transfer to a call-centre agent.

Banking

Voice banking money transfer

run #41,290,168elapsed 0 mstokens 0est. cost $0.000status —Approval rule: Amount > 50,000 or new payee → warm transfer to a call-centre agent

Agents in this run

Voice Transaction Supervisorsupervisorplans, routes, approves

Speech Agentaginies-voice-tr-v3 · on-premTranscribes live audio, detects language and confidence

Identity Agentaginies-sunkar-1 · on-premVerifies identity by voiceprint, security question and OTP

Transfer Agentaginies-talay-2 · on-premResolves the payee, checks limits and fraud, executes the transfer

Dialogue Agentaginies-tulpar-4 · on-premExtracts intent, confirms details, produces spoken replies

Audit trail00:00.00

Call connected over SIP, caller ID matched to a customer record
Transcript: "send 12,500 lira to Ayşe Demir" · language: TR · confidence 0.96
Voiceprint match 94% + security question correct → identity verified
Plan: resolve payee → limit/fraud → OTP → transfer → spoken confirmation
Saved payee "Ayşe Demir" TR12 0001 …8834 found, daily limit 50,000
Fraud engine: score 12/100, payee registered for 8 months
Policy: amount ≤ 50,000 and payee saved → eligible, OTP mandatory
OTP sent by SMS, customer read the 6-digit code aloud → verified
12,500 transfer executed in core banking, ref #TR-5583021
Spoken confirmation read out, summary SMS sent, call recording archived
■completed

Simulation · derived from real agent definitions · every agent can be built by dialogue with the Autonomous Agent and validated with a test corpus

Trigger

"I want to send money" call arriving at the call centre over SIP

Outcome

Transfer executed in core banking, spoken and SMS confirmation given, recording archived

Agents

SUPERVISOR

Voice Transaction Supervisor

Decomposes the objective, delegates to agents, manages approval points, merges the result.

aginies-voice-tr-v3 · on-prem

Speech Agent

Transcribes live audio, detects language and confidence

transcribe_streamdetect_language

aginies-sunkar-1 · on-prem

Identity Agent

Verifies identity by voiceprint, security question and OTP

verify_voiceprintask_security_questionsend_otpverify_otp

aginies-talay-2 · on-prem

Transfer Agent

Resolves the payee, checks limits and fraud, executes the transfer

get_accountsresolve_beneficiarycheck_limitsget_fraud_scoreexecute_transfer

aginies-tulpar-4 · on-prem

Dialogue Agent

Extracts intent, confirms details, produces spoken replies

extract_intentconfirm_detailssynthesize_speech

Steps

#	Kind	Agent	What happens	System	ms	tok
01	ingest	Voice Transaction Supervisor	Call connected over SIP, caller ID matched to a customer record	—	200	—
02	reason	Speech Agent	Transcript: "send 12,500 lira to Ayşe Demir" · language: TR · confidence 0.96	—	540	180
03	verify	Identity Agent	Voiceprint match 94% + security question correct → identity verified	—	900	260
04	plan	Voice Transaction Supervisor	Plan: resolve payee → limit/fraud → OTP → transfer → spoken confirmation	—	280	200
05	tool	Transfer Agent	Saved payee "Ayşe Demir" TR12 0001 …8834 found, daily limit 50,000	Core Banking	380	—
06	tool	Transfer Agent	Fraud engine: score 12/100, payee registered for 8 months	Fraud Engine	360	—
07	verify	Transfer Agent	Policy: amount ≤ 50,000 and payee saved → eligible, OTP mandatory	—	420	300
08	notify	Identity Agent	OTP sent by SMS, customer read the 6-digit code aloud → verified	SMS Gateway	1,800	—
09	write	Transfer Agent	12,500 transfer executed in core banking, ref #TR-5583021	Core Banking	560	—
10	notify	Dialogue Agent	Spoken confirmation read out, summary SMS sent, call recording archived	Genesys SIP	420	160

Simulation metrics (estimated)

27,000runs / month

93.1%success

5.9 sp50

$0.0033est. cost / run

Approval rule

Amount > 50,000 or new payee → warm transfer to a call-centre agent

Step profile

ingest · 1plan · 1reason · 1tool · 2verify · 2write · 1notify · 2

SYSTEMS

Genesys SIPvoice
Core Bankingcore
Fraud Engineapi
SMS Gatewaychannel

What you need to run it

SIP integration with the switch and recording access
Read/write API or MCP server and a service account for the core system
Credentials and a test environment for the enterprise APIs involved
Channel integration (WhatsApp Business API, SMS gateway or in-app widget)
An authorised role and approval channel for the approval rule (mobile approval card, e-mail or ticket)
SSO with the organisation’s identity provider and a scenario-specific authorisation group

Global pattern

Mirrors the conversational IVR-replacement pattern at large banks, extended to execute transactions

Packages that include this scenario Conversational banking → Sector: Banking →

Related agents

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Dialogue banking: voice and text transaction assistant

The customer talks or types; bill, limit, dispute and transfer are completed in core banking in one session.

186,000 runs / month 94.7% success 5 agents

BankingHITL

Credit card limit increase

The customer types in the app or talks to the call centre; the decision takes seconds, and anything above threshold goes to a manager.

18,400 runs / month 96.4% success 4 agents

BankingHITL

Digital account opening (KYC)

ID, liveness and sanctions checks in one flow; clean applications open an account in minutes, no branch visit.

42,000 runs / month 93.8% success 5 agents

Time to move from experimenting with AI to transforming with it.

In a 30-minute discovery session we take your 2–3 priority business problems, show a live demo of a similar scenario, and draft a roadmap that starts with the Value layer.

Book a 30-minute discovery session → dahi@aginies.com

Your 2–3 priority problems
Live demo of a similar scenario
Roadmap starting with value analysis