Bank X · Conversational Banking

One interface.
Every banking need.

Bank X is a conversational AI banking platform that replaces app navigation with a single AI-powered interface — deployed as infrastructure for banks, digital banks, NBFCs, and regulated fintechs across Southeast Asia.

8+ operations via chat
Multilingual day 0
User-confirmed execution
White-labelled
Bank X
Transfer ₱5,000 to Carlo for rent
Found Carlo Reyes (saved contact, BDO ••4421) via InstaPay. Shall I send ₱5,000?
Yes
✓ Transfer complete — ₱5,000 sent to Carlo Reyes. Ref: TXN-IP-20260622
Ask anything…
60%
Reduction in support queries
3×
Faster task completion vs. menus
8+
Banking operations via chat
Day 0
Multilingual — no retraining
Product

Banking without navigation.

Bank X is a conversational banking infrastructure platform built by FyscalTech. It enables banks, NBFCs, digital banks, and fintechs across Southeast Asia to offer customers a natural-language interface for real banking operations — replacing menu-driven app navigation with a single AI-powered conversation layer.

Deployed as white-labelled infrastructure, Bank X integrates with your existing core banking system, payment rails, and compliance stack. No rip-and-replace. AI executes nothing autonomously — your customers stay in control at every step.

Architecture

How it works

A four-layer architecture that connects natural language to core banking operations — safely, in real time, with user control at every execution step.

1

Natural Language Input

Customers type or speak any banking intent in plain language — English, Filipino, Bahasa, Thai. Bank X understands intent, spelling errors, and relationship references. Not exact syntax.

2

Intent & Context Engine

Each message is parsed for financial intent and parameters — recipient, amount, date range, product type. Ambiguous requests are clarified, never guessed. No hallucinated banking actions.

3

Tool-Based Workflow Layer

Detected intent triggers the appropriate banking tool via structured API call — search_contact, get_transactions, initiate_transfer. AI does not access systems directly.

4

User-Confirmed Execution

Every banking action requires explicit user approval. AI orchestrates. Customers execute. Institutions stay in full regulatory control.

What it can do

Core banking operations. One conversation.

Every function your customers need from a banking app — accessible through natural language, without menu navigation or screen flows.

Payments & Transfers

Send money by describing the recipient and amount. Bank X resolves contacts by name, phone, or relationship — and processes via your existing payment rails.

InstaPayPayNowPromptPayDuitNowBI-FAST

Account Intelligence

Balance checks, transaction history with natural-language filters, spending summaries, and statement downloads — rendered as text, tables, or charts on demand.

Balance EnquirySpend AnalysisStatement ExportLimits

Money Coach

A RAG-powered assistant answering queries from your institution's own documents — FD rates, loan terms, eligibility, and goal-based savings. Compliance-grounded.

FD / RD RatesLoan GuidanceGoal SavingsAccount Opening

Deposits & Savings

Customers explore deposit products, get accurate rate information, and initiate account opening — guided step by step without navigating product pages or calling a branch.

Fixed DepositsRecurring DepositsInterest RatesEligibility

Customer Support

First-line support through conversation — FAQs resolved, disputes raised, and tickets filed without a call queue. Reduces inbound volume for routine queries.

FAQ ResolutionDispute FilingTicket InitiationDeflection

Multilingual from Day 0

Bank X handles English, Filipino, Bahasa Indonesia, Bahasa Malaysia, Thai, and other regional languages without additional training. No per-language cost.

FilipinoBahasaThaiEnglishHindi
Use cases

See it in action

Real conversation flows across Bank X's core capabilities — as deployed with partner institutions.

Conversational fund transfer

Customers describe who to pay and how much. Bank X resolves the contact, validates against limits, and processes the transfer — no account-number lookup, no navigation.

  • Resolves payees by name, phone, or relationship — "send to dad" works
  • Validates against daily and monthly limits before confirmation
  • Handles contact ambiguity — presents options, waits for selection
  • Full transaction reference generated automatically on success
Bank X
Transfer ₱5,000 to Carlo for rent
Found Carlo Reyes (saved contact, BDO ••4421) via InstaPay. Shall I send ₱5,000?
Yes
✓ Transfer complete — ₱5,000 sent to Carlo Reyes. Ref: TXN-IP-20260622
For banks & fintechs

Built for regulated institutions.

Deployed as white-labelled conversational banking infrastructure — your brand, your compliance controls, your data sovereignty. AI orchestrates. Your customers execute.

Deployment

Two modes. One path to production.

Deploy via SDK as a standalone product with your documents and knowledge base — no core integration required. Or deploy as a full solution, API-connected to your payment and account infrastructure.

8 wks
to production (solution)
Zero
core system replacement
Integration

API-first. Stack-agnostic.

Bank X connects to your existing core banking, payment rails, and CRM through defined REST APIs. The conversational layer sits independently — no re-architecture.

REST
API-first architecture
AWS
scalable infrastructure
Compliance

Designed for regulated environments.

AI detects intent and orchestrates workflows — it does not autonomously execute transactions. Every action requires explicit user confirmation. Every tool call is a defined, auditable API event.

BSP
Philippines
OJK
Indonesia
MAS
Singapore
White Label

Your brand. Your voice. Your language.

Full white-labelling across the conversation persona, UI, language, and tone. Deploy Bank X as your own AI banking assistant — inside your app, web portal, or messaging channel.

8+
SEA languages
SDK
iOS & Android
Ecosystem

Connects to your existing stack.

No rip-and-replace. Bank X integrates with the infrastructure your institution already operates — an independent conversational layer on top, not a replacement underneath.

Core Banking

Temenos T24, Oracle FLEXCUBE, Mambu, Finacle, and custom CBS via REST API. No core system replacement required.

Payment Rails

InstaPay, PayNow, PromptPay, DuitNow, BI-FAST — Southeast Asian payment infrastructure covered.

AML & Compliance

Hooks into your existing AML engine or deploys alongside Riskovery — FyscalTech's purpose-built AML platform.

KYC & eKYC

Integration-ready for PhilSys, MyInfo, Dukcapil, and third-party eKYC providers.

Channels

Mobile SDK for iOS and Android, web widget, WhatsApp Business API, and in-app chat interface.

Analytics & Back Office

Full conversation analytics, intent dashboards, and transaction visibility — exportable to your BI tools.

Replace navigation with conversation.

Schedule a product walkthrough with FyscalTech's solutions team. We scope Bank X deployments in two weeks — starting from your institution's current infrastructure.