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Voice-Driven Conversational AI Assistant for Streamlined Mobile Banking Operations

Voice-Driven Conversational AI Assistant for Streamlined Mobile Banking Operations

A digital banking provider headquartered in Dublin, Ireland, wanted to modernize its mobile app by enabling customers to perform banking tasks using voice commands. Users frequently struggled with navigating menus for balance checks, transfers, and card-related tasks. To improve accessibility and reduce friction, the organization partnered with an AI engineering team to build a voice-based conversational AI assistant capable of executing banking actions securely and hands-free.

Image representing case study

33%

Improvement in voice-session completion

22%

Faster completion of routine banking tasks

41%

Reduction in user drop-off during transfers

About  

Problem Statement

  • Users found navigating multi-step flows difficult during quick banking tasks.
  • High drop-off rates occurred in tasks like money transfers due to long form entries.
  • The bank lacked a hands-free interface for visually impaired or elderly users.
  • No conversational workflow existed to automate routine actions (alerts, spend summaries).
  • Security validation needed to be integrated seamlessly with voice commands.

Industry: Banking & Fintech

Services: Conversational AI, Voice Assistant Development

Region: Europe (Ireland)

Our Tech Stack

Tech stack we used

Solution Approach

  • Modeled 22 high-volume banking intents including balance inquiry, transfers, card lock/unlock, and bill reminders.
  • Implemented voice intent classification using Dialogflow CX with contextual follow-ups to minimize misinterpretations.
  • Built a secure validation layer using OAuth 2.0, enabling PIN/OTP confirmation for high-risk actions such as fund transfers.
  • Integrated with the bank’s core banking APIs to fetch balances, initiate transactions, and fetch spending summaries.
  • Added a text-to-speech pipeline using AWS Polly to produce natural responses tailored to local accents.
  • Created fallback + escalation flows for incomplete voice commands, ensuring a smooth user journey.
  • Added analytics instrumentation via Amplitude to monitor voice flow success rates and identify friction points.

Benefits

  • Session completion rate increased by 33%, reducing task abandonment.
  • Hands-free workflows greatly improved accessibility for visually impaired and elderly users.
  • Automated voice flows shortened multi-step operations like transfers and card management.
  • Improved user satisfaction through faster access to balance, statements, and alerts.
  • Enhanced overall mobile banking experience with conversational navigation.

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