Every customer call answered.
Every record kept in Nepal.
Banks and cooperatives get hundreds of the same questions every day: branch hours, interest rates, documents for a loan, a blocked card, a remittance that has not arrived. TalkC's AI answers them in natural Nepali, confirms simple details, and transfers the rest to the right desk. Phone numbers, call records and contacts stay on servers in Nepal.
The questions that fill a bank's phone line
The AI is trained on exactly these, from your own documents and your staff's answers.
Branch hours and locations
Which branch is open on Saturday, where is the nearest ATM, holiday schedules.
Interest rates and schemes
Fixed deposit rates, savings products, festival loan offers, from your current circular.
Loan documents and eligibility
What to bring for a home or vehicle loan, income proof, processing time.
Card blocked or ATM problem
Verify, reassure, and transfer to the card desk or log an urgent ticket.
Remittance status
Explain the process and timing; hand over to the remittance desk with the reference number.
Digital banking login
Reset steps, app version issues, where to go when locked out.
EMI dates and statements
When is the next instalment, how to get a statement; request logged as a ticket.
Cooperative member services
Share deposits, dividend dates, loan committee schedule, AGM notices.
Complaints
Recorded, acknowledged with a reference number, routed to the branch manager.
Inbound and outbound, one system
Inbound: the AI answers
- ✓
Front-desk triage and department transfer
The AI understands what the caller needs, confirms, and warm-transfers to accounts, loans, cards, remittance or digital banking. It only bridges when a human answers.
- ✓
Answers from your own circulars
Rates, fees, documents and schemes come from the knowledge base your staff maintain, never from the AI's imagination.
- ✓
Requests become tickets
Statement requests, call-back requests and complaints are logged with the recording and a reference number.
- ✓
After-hours and overflow
Evenings, Saturdays and festival weeks are covered. When every desk is busy the AI still answers, so nobody hears a busy tone.
- ✓
Multi-branch routing
Callers are directed to the right branch or ward office by location, with each branch's own hours and contacts.
Outbound: the AI calls
- ✓
EMI and loan reminders
Polite, scripted reminder calls before the due date, logged with outcome and recording.
- ✓
Collections and recovery
Structured recovery calls with promise-to-pay capture and escalation rules; every call recorded for compliance.
- ✓
KYC and document expiry
Calls members whose documents are expiring and tells them exactly what to bring.
- ✓
Scheme announcements
New fixed-deposit rates or festival loans announced to the right customer segment, with a call-back option.
From a phone line to a service desk
Most clients start with the phone line. The same AI then takes over the rest of the process.
WhatsApp, Messenger, Instagram
- ●WhatsApp replies for hours, rates, documents and branch locations
- ●Statement or certificate requests logged as tickets with the member's number
- ●Photos of forms or cheques read and attached to the ticket for staff
- ●Human agents take over any conversation from the same inbox
Verified lookups with consent
With an approved integration and caller verification, the AI can read an EMI date or a balance from your core system. Scoped and quoted per bank.
On-premise for NRB rules
For institutions that must keep all processing in Nepal, the voice bridge runs on your servers under a hybrid architecture.
Compliance-grade records
Every call recorded, transcribed and sentiment-scored. Auditors and the compliance desk search them from the dashboard.
Agent desks for staff
Your relationship officers get softphone desks; the AI hands over with the caller's context and takes back if they are busy.
What we have built for banking
We built and demonstrated a bank front-desk agent, "Sunita of Demo Bank", that answers hours, rates and document questions from the knowledge base and routes account, loan, card, remittance and digital-banking requests to departments after confirming with the caller. It re-asks once if the caller goes quiet during a transfer confirmation, and never reads account data without verification.
The same platform answers citizens for three central government departments in Nepal, where a formal tone and exact fees matter in the same way they do at a bank. See the government case study →
Records (numbers, call logs, contacts) are stored in Nepal; the live conversation is processed on TalkC's secured infrastructure outside Nepal, disclosed in plain language in our data-processing record. For institutions that need everything in-country, we deploy on your premises.
Sample: bank front desk (Nepali)
Caller
नमस्ते, fixed deposit को interest rate कति छ अहिले?
AI
नमस्ते हजुर! एक वर्षको fixed deposit मा अहिले वार्षिक ७.५ प्रतिशत छ, ज्येष्ठ नागरिकलाई थप ०.५ प्रतिशत। खोल्न नागरिकता र एउटा फोटो चाहिन्छ। कुन शाखा नजिक पर्छ हजुरलाई?
Caller
Loan को बारेमा पनि सोध्नु थियो, घर कर्जा।
AI
हस् हजुर। घर कर्जाका लागि आम्दानीको प्रमाण, जग्गाको लालपुर्जा र नक्सा चाहिन्छ। विस्तृत कुरा कर्जा विभागले बताउनुहुन्छ, म अहिले नै जोडिदिऊँ?
Caller
हुन्छ।
AI
एक छिन है हजुर, कर्जा विभागमा जोड्दैछु।
What we build it from
Knowledge base sources
- ✓Current interest-rate and fee circulars
- ✓Product brochures and eligibility sheets
- ✓Branch and ATM list with hours and contacts
- ✓Department directory with transfer rules and office hours
- ✓Complaint-handling procedure and escalation matrix
- ✓Cooperative by-laws, AGM and dividend notices
You edit the knowledge base and directory from the dashboard; we tune answers from real calls every week.
Built for a regulated institution
- Data residency: phone numbers, call records, contacts and recordings stored in Nepal; on-premise option for full in-country processing.
- Verification before disclosure: the AI never states account-specific information without the verification steps you define.
- Audit trail: every call recorded and transcribed; access is role-based; nothing is used to train any model.
- Consent text: we provide the notice wording for your callers under the Privacy Act 2075.
What bank IT and compliance teams ask
Can the AI access customer accounts?+
Only with an integration you approve and a verification flow you define. The standard deployment answers general questions, takes requests as tickets and transfers account-specific matters to staff.
Where is the data stored and processed?+
Numbers, call records, contacts and recordings are stored on servers in Nepal. Live speech is processed on secured infrastructure outside Nepal, which we disclose in the data-processing record. On-premise deployment keeps everything in-country.
Does it work with our existing PBX and IVR?+
Yes. We connect over SIP to Asterisk, FreePBX, 3CX and most PBXs, either as the first answer or as overflow after your IVR.
How does it handle fraud attempts?+
It never discloses balances or personal data without verification, never changes contact details, and logs every call with a recording. Suspicious patterns are flagged for the compliance desk.
How good is the Nepali?+
Natural, with the formal register a bank expects. Call the demo line on this page and judge for yourself.
Live demo line
Hear the register a bank needs. Call Tara, our own AI receptionist.
Tara answers TalkC's own phone line 24 hours a day in Nepali and English. Ask how the system works, what it can do for your business, or just interrupt her mid-sentence and see how she handles it. Normal call charges apply.
Nepal • 24/7 • other countries →
See a bank front desk demo
We prepare a short knowledge base from your public rates and branch list and let your team call it. Compliance questions answered in the same meeting.
- ✓14-day free trial on the standard system, no credit card
- ✓Your own number, or keep the one you have
- ✓Nepali, Hindi, English and 70+ languages
- ✓Call records and customer data stored in Nepal on request
Request received
We will call or WhatsApp you shortly. Meanwhile, try the live line: +977 970-500-7877