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Leading Fintech Platform Serving 1M+ Users – Redefining Customer Support with Agentic AI
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Leading Fintech Platform Serving 1M+ Users – Redefining Customer Support with Agentic AI
Leading Fintech Platform Serving 1M+ Users – Redefining Customer Support with Agentic AI
A leading fintech platform serving 1M+ users, offering international travel banking solutions, faced mounting pressure from a 30% chat escalation rate and 40% of agent time consumed by repetitive queries. Aivar deployed an autonomous agentic AI support system—integrated with the client's chat and messaging channels—that now handles 50,000+ monthly sessions with 92% accuracy, 70% bot deflection, and a resolution rate lifted from ~50% to ~70%, all while enabling 24/7 autonomous support at roughly 2× the previous capacity.
KPI Definition
KPI Overview
Customer Challenge

The client is one of India's most recognized fintech brands, offering zero forex-markup travel cards acceptedacross 180+ countries and 130+ currencies, helping over a million global travelers save on cross-border transactions through a secure, RBI-compliant financial platform.

As the platform scaled past 1 million users, its customer support infrastructure buckled under the pressure. Theknowledge base was outdated, chat escalation rates sat at 30%, and roughly 40% of agent bandwidth was lost to repetitive, low-complexity queries. Without automated PII protection or compliant data-handling workflows,every support interaction also carried regulatory exposure. The company needed a fundamentally different,scalable, and secure AI-driven support model—not an incremental fix.

Solution

Aivar partnered with the client as its dedicated AI-Studio, deploying an autonomous agentic AI support system—not a conventional chatbot. The agent orchestrates multi-step workflows, retrieves from a live knowledgebase, integrates with the client's chat and messaging channels, and fetches real-time personalized user context to deliver tailored responses rather than generic answers.

The agent makes intelligent resolve-versus-escalate decisions based on query complexity and confidence, ensuring human agents are engaged only when genuinely needed. Continuous improvement is embedded through automated benchmarking, regression testing, and deep observability. A secure admin panel gives the client's team real-time control over knowledge content, active conversations, analytics, and system health.

Architecture

The platform is designed as a production-grade, cloud-native agentic system with the following key components:

  • Agentic Core: Foundation model reasoning layer managing multi-step task orchestration, conversation state persistence, and intelligent resolution vs. escalation decisions.
  • Channel Integration Layer: Omnichannel support delivery across the client's primary chat and messaging touchpoints, with seamless routing and session continuity.
  • Real-Time Context Engine: Live, personalized user data—account details, transaction context, card status—feeds every conversation, enabling hyper-relevant, individualized responses.
  • Knowledge Management: A dynamically maintained knowledge base ensures responses always reflect the latest product, policy, and compliance information.
  • Observability & Quality Layer: Automated benchmarking, test suites, and end-to-end observability pipelines drive continuous performance improvement.
  • Admin Control Panel: A secure interface giving operations and CX teams full visibility and control over content, conversations, analytics, and system health.
  • Security & Compliance: Automated PII detection and redaction embedded in every conversation flow, ensuring regulatory alignment across all interactions.
Key Outcomes
  • 92% Response Accuracy: The agent delivers highly reliable, contextually accurate answers across the full range of support scenarios.
  • 70% Bot Deflection Rate: Seven in ten support queries are fully resolved by the AI agent without any human involvement.
  • ~5-Second Average Latency: End-to-end response generation completes in approximately 5 seconds, delivering a near-instant support experience.
  • 50,000+ Monthly Sessions Handled: The platform operates at production scale, managing tens of thousands of live user interactions every month.
  • Resolution Rate: ~50% → ~70%: The proportion of queries reaching full resolution has improved by 20percentage points since deployment.
  • CSAT: 2.5 → 3.5 / 5: Customer satisfaction scores have climbed meaningfully, reflecting faster, higher quality, and more personalized support.
  • ~2× Support Capacity: The system handles roughly double the previous query volume without a proportional increase in headcount or operational cost.
  • 24/7 Autonomous Support: Human agents are freed to focus on high-value, complex cases while routine queries are handled autonomously around the clock.
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