Industry Solution

Banks & Financial Institutions

Compliance-ready customer service with full audit trail

Banks need iron-clad compliance, complete call recording, audit logs for every action, role-based access control, and SLA-tracked customer service. ARA delivers all of this with enterprise-grade security — plus AI-powered customer service that respects regulatory boundaries (no financial advice from AI, mandatory disclosures, opt-out tracking).

Get Started See Pricing

100%

Calls recorded + transcribed for audit

<10s

OTP delivery via SMS broadcast

99.9%

Platform uptime SLA

Full

Audit trail for Bangladesh Bank compliance

Real Banks & Financial Institutions challenges, real solutions

We built ARA for businesses like yours. Here's how we solve the problems you actually face every day.

Problem

Bangladesh Bank requires complete audit trail of customer interactions. Currently scattered across paper, email, branch records — impossible to retrieve.

How ARA Solves It

Cross-channel audit log: every call (with recording + transcript), SMS, email, WhatsApp, branch visit — all logged to customer timeline. Search by customer ID, export to PDF for regulator audit.

Problem

Call center handles 5000+ calls/day. 90% are simple queries (balance, statement, branch hours) — but every call needs trained human, expensive.

How ARA Solves It

AI Voice Agent handles routine queries: balance check (via secure auth), statement request, branch locator, working hours. Escalates to human only for complex issues. 70% cost reduction.

Problem

OTP SMS delivery delays (5+ minutes) cause transaction abandonment. Customer support calls increase 'I didn't get OTP'.

How ARA Solves It

Carrier-grade SMS gateway: <10 second delivery to BD networks (Grameenphone, Robi, Banglalink, Teletalk). Direct operator routing. Delivery receipts for compliance.

Problem

Cross-selling new products (credit card, insurance, loans) to existing customers — currently random calls without context, low conversion.

How ARA Solves It

Customer 360 + Voice Broadcast: AI knows account history, churn risk, eligible products. Targeted campaigns: 'high-balance savings customers → premium card offer'. Personalized message + DTMF for interest.

Built for Banks & Financial Institutions

Features designed specifically around your industry's workflows.

100% Call Recording + Transcription

Every call recorded (encrypted at rest), automatically transcribed to text, searchable archive. Mandatory disclosure at call start ('this call may be recorded').

Full Audit Log

Every action by every user logged: who accessed what data, when, what changed. Tamper-evident. Export to PDF for regulator on-demand.

Role-Based Access Control (RBAC)

Custom roles per branch / department / seniority. Tellers see only their branch customers. Auditors have read-only access. Configurable per-field permissions.

OTP SMS (<10s delivery)

Direct routing to BD operators. Bypass aggregators. Delivery receipts logged for compliance. Fallback to voice OTP if SMS fails.

AI Voice Agent (Bounded)

Handles routine queries (balance, statement, branch hours) in Bengali. NEVER gives financial advice. Auto-disclaimer at start. Hand-off to human for complex issues.

Voice Broadcast for Compliance Notices

Mass alerts: ATM down notifications, branch closure, policy changes, fraud warnings. AMD skips voicemails. DTMF for acknowledgment.

Customer 360 + Compliance Tagging

Every interaction across channels on one timeline. Tagged with compliance metadata (KYC complete? PEP flag? sanctions?). Filter and search.

Data Residency + Encryption

Customer data stays in Bangladesh (or chosen region). Encryption at rest (AES-256) + in transit (TLS 1.3). PCI-DSS aware. Multi-tenant isolated.

SLA-Bound Customer Service

Priority-based SLA (P0 fraud: 15 min, P1 complaint: 4 hrs, P2 query: 24 hrs). Real-time breach alerts. CSAT auto-surveys after closure.

"The 100% call recording + auto-transcription was a game-changer for our compliance team. Regulator asks for proof of a customer interaction from 6 months ago — we have it in 30 seconds."

Head of Customer Service

Private Commercial Bank, Dhaka