Financial Sector

AI assists customers in simulating loans and financing, managing bank accounts, and querying financial information, making services more accessible and faster.

AI Service Flows

Some ways of using Artificial Intelligence.

  1. Credit Simulation

    • The customer provides the type of credit desired (e.g., personal loan, vehicle financing, real estate).
    • AI requests data such as the desired amount, term, and monthly income.
    • The chatbot presents customized options with interest rates and estimated installments.
    • If the customer wants to proceed, AI sends the request for credit analysis.

  2. Account and Transaction Management

    • The customer requests information about balance, statements, or bills.
    • AI performs secure authentication via password, facial recognition, or SMS code.
    • The chatbot provides details on balance, transaction history, and due dates.
    • If the customer needs a bill or wants to make a payment, they can request it directly from the chatbot.

  3. Financial Queries and Support

    • The customer chooses one of the available topics (e.g., credit limit increase, debt renegotiation, investments).
    • AI provides detailed information on each query and personalized guidance.
    • If needed, the chatbot forwards the customer to a financial specialist.

  4. Automated Notifications and Alerts

    • The chatbot sends reminders about bill and boleto due dates.
    • Notifies about account activities, such as deposits and withdrawals.
    • Suggests financial products based on the customer's profile, such as credit cards and investments.

  5. Feedback and Service Evaluation

    • After a credit simulation or service, AI asks the customer for an evaluation.
    • The customer can evaluate the clarity of the information and suggest improvements.
    • If there is a complaint, the chatbot automatically forwards it to a human agent.
AI Implementation Benefits

Some advantages of automating your system with Artificial Intelligence.

  • Credit and Financing Simulation

    Allows customers to simulate loans, calculating installments, interest rates, and payment conditions.

  • Account and Transaction Management

    Facilitates balance inquiry, statements, bill payments, and transfers securely and quickly.

  • 24/7 Availability

    Continuous support for financial service queries without waiting for a human agent.

  • Intelligent Security and Authentication

    Uses user authentication to protect sensitive information and ensure privacy.

  • Financial Education and Personalized Tips

    Offers guidance on expense control, investments, and best practices for financial organization.

  • Integration with Banking Apps and Digital Channels

    Works via website, WhatsApp, mobile app, and voice assistants for an omnichannel experience.

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A customer wants to finance a car. The chatbot asks for the desired amount, the payment term, and income, simulating the installments and presenting the best options. If the customer has questions about rates, AI provides explanations and compares different financial products.


Impact on the Financial Sector
  • Reduces the burden on customer service teams with automated support.
  • Improves customer experience by making services faster and more accessible.
  • Increases the conversion of financial products with personalized recommendations.

With this technology, banks and fintechs make their services more efficient, secure, and aligned with customer needs.