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 needed a platform to answer customers’ queries within the communication mediums their customers are already using, without them having to log into their internet banking or mobile banking application each time they want to check their balance or pay a utility bill. By using Futura Bank Chatbot for WhatsApp banking, banks can alleviate a lot of the complexity for the user.

Futura Bank Chatbot interface is provided over the WhatsApp chatbot (on Mobile) where the user can interact with the bank on chat.

To ensure security, before providing any information about user’s accounts/cards, chatbot authenticates the customer by sending an OTP on user’s registered mobile number or by soft token. This OTP can be authenticated directly on the WhatsApp chat.

Features Supported In Application

For Retail User

• View Account Balance
• Fund Transfer
• Bill Payment
• Locate ATM or Branch
• View Recent Transactions
• Inquire about user's spends
• Inquire about upcoming payments
• Inquire about credit card due
• Inquire about credit card cash and credit limits
• Inquire about outstanding balance on loan account
• Inquire about next instalment date and amount of loan
• Inquire about banking products
• Instant Savings Account Opening
• Promise to Pay -Create Promise & Make Payment

For Corporate User

• Account Balance Inquiry
• Fund Transfer
• Bill Payment
• Locate ATM or Branch
• View Recent Transactions
• Inquire about upcoming payments
• Inquire about outstanding balance on loan account
• Inquire about next installment date and installment amount
• Inquire about banking products

Pre-requisites

• Oracle Digital Assistant setup only incase of OBDX chatbot facility is deployed
• Valid Account on Facebook

• LOG-IN to WhatsApp Application
  This topic provides the systematic instructions to user to log in with valid credentials to access the Chatbot Application.
• LOG-OUT from Chatbot Application on Facebook
  This topic provides the systematic instructions to user to log out from the WhatsApp application and hence from Chatbot service.
• View Account Balance
  This topic provides the systematic instructions to user to inquire about the balance in their account on the WhatsApp.
• Funds 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 Activities
  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 provides the systematic instructions to business user to 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 the products and services offered by the bank and receive instructions on how to avail them.
• Finance Inquiry
  This topic describes the option that allows corporate users to inquire about finances availed against financial instruments such as invoices or purchase orders.
• Open TD Account
  This topic provides the systematic instructions to existing bank customers for opening a new deposit by availing offers like the special interest rate on a specific deposit.
• Instant Savings Account Opening
  This topic provides the systematic instructions to existing bank customers for opening an Instant Savings Account easily through WhatsApp.
• Promise to Pay
  This topic describes how retail users can use the Promise to Pay feature if a delinquent customer cannot pay immediately but will pay later.