CHATBOT FOR CLIENT SERVICE AND PREPAID CARD ISSUANCE
Let clients create a prepaid card in a few clicks in their favorite messenger and use the chatbot for daily banking.
Why the leading Ukrainian bank launched a messenger chatbot
In order to provide world-class customer service, any bank should recognize the necessity of a 24/7 communication channel. While that remains true, the Concord Bank's core priority has been to empower its customers to get prepaid cards in just a few clicks.
This chatbot works in two messengers and helps service the customers who own prepaid cards, while also helping with growing the customer base. The bot delivers the same functionality in both Viber and Telegram, which does not divide the audience and is convenient for any user.
Chatbot.studio has undertaken the task of developing a chatbot for Concord bank in late November. And since mid-January, the bot has been providing quality customer experience and accelerating the prepaid card issuance process manifold.
The Chatbot Functionality in the Messenger
Phone balance replenishment
Debit card replenishment
Receiving the CVV through a text message
Receiving bank statements
Support and communication with the bank
An ability to block or unblock a debit card
The challenges of implementation and their solutions
When our team started developing the Viber chatbot, which had already been developed for Telegram, we faced a new challenge. We’d taken into consideration that a customer who ordered a prepaid card via Telegram might decide to switch to Viber at some point. Our developers have tackled the issue by synchronizing the messengers so that it doesn't matter which messenger the customer uses.
Through the bank's API, our chatbot can check whether the customer already owns a prepaid card, and then tie it to another messenger or issue a new card if the user decides to do so.
It sometimes happens that the bank API makes errors. There could be a variety of reasons as to why that occurs, ranging from electricity blackouts to process overload. Our team has taken into account all such contingencies to maintain bank-customer communication. We've used NodeRed to get the answer to the customer's question even if there's a mistake in the bank's API. Say, the customer requests to see the balance on his account. Should the API fail, our chatbot will nevertheless guide the user according to his request.
Why the bank issues a prepaid card through a chatbot
Theoretically speaking, a customer could get a prepaid card through a web widget or an app. However, both we and the customer favored using a chatbot. Let's break down why.
The first reason boils down to resourcefulness. A chatbot takes considerably less effort to develop than an app, all while retaining essentially the same functionality.
The second reason is accessibility. The number of clients who already have a messenger installed easily beats the number of those who would be willing to install an extra app, thereby sacrificing phone memory. Therefore, a chatbot would help reach a much broader audience than an app otherwise would.
Serving as an internet banking app, the chatbot is a handy digital tool that is available around the clock.
Unlock hidden potential of messengers for your business
The availability of instant messengers opens up new horizons for attracting customers.Since the messenger already has access to the customer’s contact list by phone numbers or to the list of friends on Facebook, the bot user can easily share the information received in the bot.
The open rate of such messages is very high because a loyal audience shares information about the bank's services and products with the already warm audience of their contacts. The user receives bonuses for attracting friends - everything is very simple.
Built-in tools for analytics and visualization of clusters that attract customers the most will help to evaluate results. It has never been so easy to convert your customers' instant messenger contact list into bank customers.
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