--- title: "AI Agent for Fintech: Balance, Disputes, KYC | StudioChat" description: "A StudioChat agent handles balance inquiries, card blocks, disputes and KYC 24/7, connected to core systems. Takenos reached 70% autonomous resolution." url: https://studiochat.io/fintech locale: en translations: { es: https://studiochat.io/es/fintech.md, pt: https://studiochat.io/pt/fintech.md } site: https://studiochat.io --- FOR FINANCIAL SERVICES # Blocking a card at 2 AM can't wait for business hours. The best financial services agent, cloned — same rules, same judgment, available 24/7. [Talk to us now](https://cal.com/studiochat) [See how Takenos uses it →](#proof) ACME Pay Sofi · assistant · online Agent Sofi · working Live App Disputes · Sofi Running in production for Coderhouse Takenos Rebill Mudafy Avera Belo Toribio Achával Inarch WannaColive Coderhouse Takenos Rebill Mudafy Avera Belo Toribio Achával Inarch WannaColive PROOF, NOT PROMISES ## Takenos resolves 70% of its financial services support autonomously. [Takenos logo](https://www.takenos.com) 70% autonomous resolution > “Joaquina resolves 70% of conversations on her own, but what we value most is the follow-up they give us as clients and the personalized attention — they adapt to whatever the team needs.” Melina Albornoz CX Team Lead · Takenos [Read the Takenos story](/case-studies/takenos) EVERYTHING THAT HAPPENS IN AN ACCOUNT ## The whole account lifecycle, handled with AI. From a routine balance inquiry to a fraud dispute, the same customer expects the same careful, policy-compliant answer, every time. 01 · 2 tasks Opening the account02 · 2 tasks The account’s day to day03 · 2 tasks When something goes wrong The onboarding where most people drop off: the identity check that stalls on one document, and the first payee that has to be added. #### KYC verification support Walks the user through identity verification steps and flags missing documentation. #### Adding a beneficiary Walks the user through adding a transfer recipient per the current verification policy. Balance and transaction inquiries: Pulls live account data to answer instantly — no ticket, no wait. Loan and credit questions: Answers eligibility, rate, and terms questions consistently, every time. Card block and replacement: Handles a lost or stolen card report and starts the replacement flow immediately. Disputes and chargebacks: Captures every required field and transaction detail before a human reviews it. At any point in the conversation #### Cross-sell of relevant products Suggests the right product at the right moment, in the same conversation. #### Clean handoff to a human Hands off with full context the moment a case falls outside its scope. WHY NOW, WHY STUDIOCHAT ## It's not a generic banking chatbot. The best financial services agent, cloned. Most financial services bots handle a narrow FAQ and hand off everything else. We start from the person on the team who already handles the full range of account cases well, and clone how they actually think. Clone ### Trained on real playbooks, not a script. We capture how the best agent actually resolves an account case — tone and judgment included. Regulation-ready ### Strict rules, full audit trail. Every conversation is logged end to end, and anything outside the defined rules hands off immediately. Omnichannel ### Every task handled with AI, on every channel where people already bank. WhatsApp, web chat, email, and voice — the same assistant, the same context, on whichever channel the user is already using. AGENT SECURITY ## Security at every layer, from the model to the client's data. LLM security, agent security, client control, and infrastructure aren't the same layer — each protects something different, and the agent leaves a trail of everything it does along the way. LLM SECURITY — GUARDRAILS ### A protective layer around the model. A language model can make the wrong call — delete something it shouldn't, invent data that doesn't exist (like a bank account number), or let spend spiral out of control. Guardrails validate what the agent is about to answer before it answers, automatically or manually, covering hallucinations and prompt injection. CLIENT CONTROL ### The client decides what information reaches StudioChat. Every integration goes through a middleware layer the client configures — StudioChat can't see the data the client chooses not to share. Control stays on the client's side, by design. AGENT TRANSPARENCY ### The agent explains what it does, why, and where each fact comes from. The most common fear is that the agent does something and no one finds out. That's why every answer comes with its reasoning and its citations — no black box acting without leaving a trace. FREQUENTLY ASKED QUESTIONS ## What a financial services team actually asks. ### What kind of account cases can it resolve? All kinds: balance and transaction inquiries, card block and replacement, disputes and chargebacks, KYC verification, loan and credit questions, adding beneficiaries, and more. Where the agent's scope ends and a human takes over is something we define together, based on policy and the risk level of each case. ### How does it handle regulated actions like KYC or disputes? It walks the user through the required steps and flags what's missing — the final approval decision stays with the team, and every step is logged for audit. ### Does it replace our core banking system or helpdesk? No. It connects to whatever systems and helpdesk are already in use, as a non-human agent, pulling live data through the relevant APIs. ### Do you integrate with our systems, or build custom implementations? Both. We've already built custom integrations with proprietary systems and closed core banking platforms, in addition to standard integrations (helpdesk, CRM, WhatsApp). Cost depends on complexity: it's scoped before starting, case by case. ### How is it priced? Outcome-based: priced per task resolved, not per seat, not for setup. ### Do you have reference clients in financial services? Yes, several — including Takenos, Lemon, Belo, and Rebill already run their financial services customer support on StudioChat. Takenos resolves 70% of its support autonomously with an assistant that covers more than 20 use cases. ## The playbook already exists. We multiply it. [Talk to us now](https://cal.com/studiochat) [Book a demo](https://cal.com/studiochat) [Or write to hey@studiochat.io](mailto:hey@studiochat.io)