1 Chatbot Mobile Banking Application

This topic describes the Chatbot, an artificial intelligence system that interacts with users over a messaging platform. It responds to queries and fulfills an array of tasks for business users.

Customers need to be in regular touch with their bank for various queries and daily transactions. Therefore, banks require a platform to interact with customers, using communication mediums that are widely being used, without requiring logging into internet banking or mobile banking application. By using Futura Bank Chatbot for mobile application, banks can alleviate a lot of the complexity for the user. This application can answer customer queries, enable checking account balance, enable paying utility bills, and more. All chatbot inquiries work for both Pre-Login and Post-Login scenarios.

Some inquiries such as balance inquiry, etc. may require authentication in Pre-Login chatbot applications. This won’t be necessary for Post-Login chatbot applications. This authentication can be done through mobile number with OTP or soft token or Pin.

To ensure security, before providing any information about the user’s accounts or cards, Chatbot authenticates the customer by sending an OTP on the user’s registered mobile number or by soft token. The chatbot functionality is supported on the web browser as well as on the mobile devices.

Note:

  1. Authentication of user while using chatbot services, can be done via sending OTP on user’s registered mobile number or via Soft Token (as per the configuration done by Bank).
  2. Support for Voice chat is also available with ODA integration. This enables the user to interact with digital assistant through speech.

Features Supported In the Application

For Retail User

For Corporate User

Pre-requisites

  • Oracle Digital Assistant setup only incase of OBDX chatbot facility is deployed
  • Launch Chatbot Application
    This topic provides the systematic instructions to user to log in from the Chatbot mobile application.
  • LOG-OUT from Chatbot Application
    This topic provides the systematic instructions to user to log out from the Chatbot mobile application.
  • View Account Balance
    This topic provides the systematic instructions to user to inquire about the balance in their account.
  • Fund Transfer- Existing Payee
    This topic provides the systematic instructions for users to initiate a payment to an existing payee.
  • Bill Payment
    This topic provides the systematic instructions for the Bill Payment facility, which allows users to make their utility payments online through the Chatbot application.
  • View Recent Transactions
    This topic provides the systematic instructions to user to view the transactions carried out in their account.
  • ATM / Branch Locator
    This topic provides the systematic instructions for users to inquire about ATMs and branches that are closer to a specific location.
  • Inquire about user's spends
    This topic provides the systematic instructions for business users to inquire about their spends under a particular category or sub-category using the Chatbot.
  • Inquire Upcoming Payments
    This topic provides the systematic instructions for users to inquire about payments that are due within the next 30 days.
  • View Credit Card Details
    This topic provides the systematic instructions to business user to inquire about the amount due on their credit card, as well as the available and total cash and credit limits, through the Chatbot.
  • View Loan Account Details
    This topic describes the option where business users can inquire about the total outstanding amount, as well as the next EMI date and amount of their loan account from Chatbot.
  • Inquire about products
    This topic provides the systematic instructions for users to inquire about products and services offered by the bank and receive instructions on how to avail them.
  • Finance Inquiry
    This topic provides the systematic instructions for users to inquire about finances availed against financial instruments such as invoices or purchase orders.
  • FAQ