1.14 FAQ

1. What are the benefits of using a chatbot?

   The chatbot service eliminates waiting time for users in getting answers to their queries and can access their account information without logging in to their net banking account for the same.

2. How does the chatbot authenticate the user before providing any information?

   There are two methods of authentication – OTP and Soft Token, supported by OBDX. Bank can configure the mode of authentication as per their requirement.

   If the OTP is set as the authentication mode, Chatbot will ask the user for their mobile number and will send an OTP on the registered mobile number so that the user can be authenticated.

   If soft token is set as the authentication mode, user will be required to enter the soft token generated on the soft token app.

3. Where can the Bank user configure the authentication mode?

   It is a DB configuration and can be done as part of implementation.

4. Can the user transfer funds to new payees or beneficiaries using chatbot?

   No, chatbot can transfer funds only to existing payees or beneficiaries.

5. Can a user make a credit card payment using chatbot?

   No, a user can only inquire about the amount due on their credit card and card limits (Cash and Credit Limit).