Conversational banking
Complete mobile banking operations by typing or talking.
Conversational banking is an Aginies solution package for the Banking sector in the “customer interaction & experience” area. What the agents do: Integrated with the existing identity flow; unauthorised transaction requests stop at the guardrail; limit increases, transfers, standing orders and statements completed in one dialogue. Expected outcomes: banking completed by conversation, on any channel; lower call-centre load, higher first-contact resolution; lower operating cost per transaction. The package uses the Identity & authorisation guardrails, Supervisor · sub-agents, Human-in-the-loop, Core banking tools (MCP) capabilities of the Aginies platform and can be watched live through the Dialogue banking: voice and text transaction assistant, Credit card limit increase, Voice banking money transfer, Card fraud alert triage scenarios in the agent library.
Customers get lost in menus; the call centre fills with simple transactions. Existing assistants inform but cannot transact; those that can are not auditable.
- 01Integrated with the existing identity flow; unauthorised transaction requests stop at the guardrail.
- 02Limit increases, transfers, standing orders and statements completed in one dialogue.
- 03Transactions above an amount or risk threshold route to human approval; every decision leaves a trace.
- 04The voice channel connects to the call centre via SIP; the same workflow runs in text and voice.
- The same transaction agent on mobile, web, WhatsApp and voice
- Transfer, bill, limit, card and dispute operations with core-banking tools
- Per-transaction identity and OTP thresholds; fraud score on every transaction
- Warm SIP hand-off to the call centre with conversation summary and references
- Transaction APIs or MCP servers for core banking and card systems
- Existing digital identity and OTP infrastructure
- Transaction thresholds and approval rules written with information security
Derived from the linked scenarios: the supervisors, specialist agents, models and systems that run this package.
Summed from the simulation definitions of the linked scenarios; recalculated for your scale in the discovery session.
- Banking completed by conversation, on any channel
- Lower call-centre load, higher first-contact resolution
- Lower operating cost per transaction
| Transactions completed by conversation | 55–70% |
| Simple transactions reaching the call centre | 40% fewer |
| Operating cost per transaction | 50% or more lower |
Target ranges from comparable deployments; baseline and target are fixed together in the first week of the pilot.
Scenario-level approval rules plus the package’s general controls.
- Dialogue banking: voice and text transaction assistantLimit increase > 60%, dispute amount > 5,000 or transfer to a new payee → operations approval
- Credit card limit increaseLimit > 100,000 → branch manager approval
- Voice banking money transferAmount > 50,000 or new payee → warm transfer to a call-centre agent
- Card fraud alert triageConfirmed fraud loss > 2,500 → analyst approval before permanent cancellation
- packageNew payee, high amount and dispute always require extra verification or human approval
- packageDeployment aligned with banking IT regulation; all systems in Türkiye
- 1 · Discovery and design · 2–3 weeksThe 20 most frequent intents and transactions are chosen, identity and approval thresholds written with information security, channel and system integrations listed.
- 2 · Pilot · 4–6 weeksOne channel, a limited customer group; the test corpus runs, a human representative shadows, thresholds tuned on real traffic.
- 3 · Scale-outRemaining channels and transactions added; dashboards, SIEM forwarding and kill-switch handed over; monthly model and rule review begins.
This package’s scenarios in the agent library
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.
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.
Voice banking money transfer
Customer calls and talks; voiceprint, security question and OTP verify them; transfer completes agent-free.
Card fraud alert triage
The card is blocked in seconds and the customer asked on WhatsApp; the reply releases or cancels the card.
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.
- Your 2–3 priority problems
- Live demo of a similar scenario
- Roadmap starting with value analysis