Point AI-Assistant

The main articles are:

• Speech Recognition (Technology, Market)
• Speech technology: On the path from recognition to understanding

2024

Implementation of function for financial analysis

Bank for Entrepreneurs and Enterprises Tochka became one of the first among banks for business in Russia to implement a function for analyzing finance through an AI Assistant. The bank announced this on November 27, 2024. Now in the Internet bank, entrepreneurs will be able to receive detailed financial analytics simply by making a request in free form. This tool helps you find answers to the most pressing questions about the state of the business, its income and expenses.

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Point

Integration with the financial analytics module allows the AI Assistant to quickly process customer requests and provide responses in 1-3 seconds in an accessible human language. All answers are formulated instantly - the entrepreneur does not need to interpret the data, he receives ready-made information at his request.

The main questions that the AI Assistant can solve:

• How much did I earn/spend in the selected period?
• How much did I earn/spend in the selected period for a particular category? (e.g. "supplier costs or deposit revenues");
• How much did I earn/spend in the selected period on the counterparty? (for example, "how much did the customer pay Romashka LLC this year");
• What has earned me the most/least expenses/revenues over the period? (for example, "what I spent the most on in the third quarter").

Analytics is a way to learn how business is going in order to develop it effectively. AI-Assistant knows how to answer specific important questions of the entrepreneur: how much did we earn for this quarter? What brought me the least income? What do I spend the most money on? You can not configure filters or study graphs, but simply ask. This approach allows you to extract more business benefits from the numbers, even if the entrepreneur is just starting to use analytics, "said Mikhail Korochkin, AI product manager at the Point.

For the convenience of users, the Internet bank of the Point provides an additional entry point through search by counterparties.

Ability to send payments through the SBP using the AI Assistant

Point added a way to send payments through the SBP using the AI Assistant. The bank announced this on September 26, 2024.

Entrepreneurs will be able to send a payment using the Fast System payments (SBP) through the Point AI Assistant. This tool safe and allows entrepreneurs to save time at sending payments.

An assistant can send a transfer by phone number to a pair pressing. To do this, the client needs to write, for example, "Translate Misha 1000 rubles for [bank name] "or type in the search" SBP, " to repeat one of the previous operations.

In addition, the Point AI Assistant can:

• Open a deposit. The Assistant can clarify details about the timing, rates, taxes and deposit insurance, as well as open a deposit in a few clicks without leaving the dialogue. All parameters can be specified in one phrase to save time. For example, "open a deposit for one day without early."
• Download the statement. You can instruct the Assistant to routinely download the statement simply by asking him to do so in one sentence. For example, "excel extract for the second quarter of 2023."
• Learn about taxes. The assistant knows a lot and is ready to talk about taxes. In a dialogue with the Assistant, for example, you can ask what fees you need to pay for 2023. The assistant will find the necessary data in the Online Accounting Department, explain them in simple words and answer questions.

{{quote 'Our AI Assistant answers questions and solves important entrepreneur tasks in one window. For example, you can ask questions of interest about deposits and immediately open the desired deposit. The assistant communicates in a simple, human, understandable language for the entrepreneur and answers instantly. You can also perform a task with the Assistant using one phrases. For example, the transfer of money through the SBP. Assistant recognizes previous recipient by name, abbreviated name the popular bank and the amount, it remains only to confirm the translation with an SMS code, - said Mikhail Korochkin, manager of AI products at the Point.}}