Customer service
Product and service inquiries, account/contract/application information, transaction and payment status, request creation, information updates, and case management.
BANKING & FINANCIAL SERVICES
The AI leader trusted to transform banking and financial services.
CBOT powers Voice AI, digital agents, Agentic AI workflows, local language models, intelligent collections, human-agent collaboration, and quality management across leading banks and financial institutions.
From the first customer request to the final approved action, CBOT connects AI with the systems, policies, people, and controls required to operate inside regulated finance. Trusted by financial leaders. Built for environments where control is non-negotiable.
Request
“I need to change the payment date for my financing plan.”
- Customer identified
- Financial agreement retrieved
- Available options evaluated
- Policy and permissions checked
- Customer confirmation received
- Enterprise system updated · audit record created
Approved Approval required Restricted
REQUESTIDENTITYAGREEMENTPOLICYUPDATEAUDIT
TRUSTED ACROSS FINANCE
Trusted across banking and the financial-services ecosystem.
Selected institutions working with CBOT across Voice AI, digital service, Agentic AI, collections, customer experience, and enterprise automation.
Selected banking and financial-services references. Solution scope varies by institution.
Leadership earned inside real financial operations.
CBOT's financial-sector journey began with Türkiye's early AI-powered banking initiatives and expanded across multiple generations of enterprise AI. Today, CBOT helps financial institutions move beyond isolated assistants toward connected AI workforces operating across customer service, contact centers, collections, payments, digital channels, internal operations, and quality management.
- BANKS, PRODUCTION EXPERIENCE
- FINANCIAL INSTITUTIONS ACROSS THE SECTOR
- AI IN REAL FINANCIAL JOURNEYS SINCE
- PRIVATE AI INSIDE THE INSTITUTION
Financial AI leadership is built through production experience, not future promises.
ONE AI WORKFORCE
One AI workforce across every financial journey.
Financial AI should not remain limited to one assistant, department, or channel. CBOT enables specialized AI Agents and Digital Employees to work across customer journeys, operational teams, contact centers, collections, financial workflows, and internal knowledge.
Contact centers
Voice AI agents, intelligent routing, AI-to-human handover, Human Agent AI Assist, Live Chat, quality management, and operational analytics.
Payments & transactions
Payment information and status, transaction notifications, missing-information collection, dispute routing, and approved payment workflows.
Applications & financing
Application initiation, document collection, status inquiries, missing-information follow-up, specialist routing, and human approval processes.
Employee & operations
Help teams access policies, procedures, product information, regulatory content, process guidance, and internal systems and knowledge.
Quality management
KALYA analyzes interactions, detects errors, identifies root causes, prepares reports, and recommends coaching and process improvements.
Specialized AI roles for financial operations. One connected enterprise architecture.
VOICE & DIGITAL FINANCE
Let customers speak or write. Keep the financial journey connected.
A customer may begin with a phone call, continue through a mobile app, upload a document, receive a message, and complete the journey with a human representative. CBOT preserves the available context, customer data, process state, and actions already completed.
Voice AI
- Customer-service calls
- Payment & transaction inquiries
- Application follow-up
- Identity-verification flows
- Appointment processes
- Collections & proactive notifications
- Intelligent routing
Messaging & workflow AI
- Answer questions & retrieve information
- Collect and validate data
- Request documents
- Trigger workflows & create cases
- Send proactive updates
- Continue journeys across channels
Different channels. One financial relationship.
Human collaboration, what we pass on handover
Conversation historyCustomer contextCollected informationWorkflow stageReason for transferAI-generated summary
Financial AI should understand the goal, and complete the approved work behind it.
CBOT combines generative AI, local models, enterprise knowledge, financial systems, deterministic rules, permissions, and human approvals within one Agentic AI architecture. From conversation to financial action.
- 01
Understand the goal
Interpret the customer or employee goal behind the request.
- 02
Retrieve context
Pull approved financial context within permission boundaries.
- 03
Select the model
Choose the appropriate model for the workload and sensitivity.
- 04
Use tools & APIs
Use enterprise tools and financial systems to act, not only answer.
- 05
Apply business rules
Validate against deterministic rules and process conditions.
- 06
Request approval
Hold high-impact actions for authorized human approval where required.
- 07
Execute & record
Complete the approved action and record the outcome.
The answer is not the outcome. The completed financial process is.
Customer onboardingFinancing & credit applicationsPayment supportCustomer-information updatesDocument collectionAccount & contract inquiriesComplaints & service requestsCollectionsInvestment-service supportEmployee operationsCase & exception routing
Local models built for the language and realities of financial services.
Financial communication includes regulation, product terminology, transaction language, institution-specific procedures, abbreviations, and complex customer expressions. CBOT develops proprietary language and speech technologies and adapts models to financial domains.
LANGUAGE & SPEECH CAPABILITIES
CBOT LLMTurkish & multilingual modelsFinancial terminology adaptationProprietary NLP/NLUProprietary Speech-to-TextProprietary Text-to-SpeechDomain adaptationTask-specific modelsPrivate fine-tuningOn-premise inference
MULTI-MODEL APPROACH
CBOT modelsApproved commercial modelsSupported open-source modelsCustomer-hosted modelsPrivate endpoints
The right model for every financial task, inside the architecture the institution controls.
DIGITAL EMPLOYEE FOR COLLECTIONS
Meet TAHSİLDAR, the Collection Specialist built for intelligent financial resolution.
Collections is not one repeated message sent to thousands of customers. Every customer has a different history, context, payment capability, communication preference, and appropriate resolution path. TAHSİLDAR combines Agentic AI, financial data, approved collection strategies, Voice AI, messaging, workflow automation, and human collaboration within one specialized Digital Employee.
TAHSİLDAR CAN SUPPORT
- Proactive payment reminders
- Inbound & outbound collection interactions
- Customer-context evaluation
- Approved payment-option presentation
- Promise-to-pay collection
- Commitment recording
- Enterprise-system updates
- Follow-up scheduling
- Exception escalation
- Human-team collaboration
SUITABLE INSTITUTIONS
BanksConsumer-finance companiesPayment & card organizationsLeasing & factoring companiesFintech companiesOther institutions managing receivables
Every collection interaction should lead to the right next step.
BUILT FOR REGULATED FINANCE
Innovation at AI speed. Control at financial-industry standards.
Financial institutions must control where data is processed, which models are used, what systems AI can access, and when human authorization is required. The complete stack, platform runtime, AI agents, CBOT LLM, supported private models, NLP/NLU, speech, RAG, vector storage, knowledge, Live Chat, AI Assist, analytics, and integrations, can operate within the institution's approved environment.
01
Identity & access
Role-based access, enterprise identity integration, SSO and MFA across design, review, approval, and operations.
02
Model & data permissions
Model permissions, knowledge and data permissions, and read/write separation by agent role.
03
Controlled execution
Business-rule validation, confidence thresholds, and human approvals for high-impact financial actions.
04
Audit & change control
Audit trails, versioning and rollback, configurable retention, and private connectivity.
- SAAS
- PRIVATE CLOUD
- HYBRID
- FULLY ON-PREMISE
No mandatory external AI dependency between financial data and the final outcome.
FINANCIAL AI IN PRODUCTION
See how leading financial institutions build with CBOT.
Explore how banks and financial institutions use CBOT to transform customer service, contact centers, digital channels, collections, enterprise knowledge, and internal operations.
All financial storiesBankingVoice AIDigital serviceAgentic AICollectionsPaymentsCustomer serviceEmployee AIContact center
Bring AI into the financial systems you already operate.
CBOT connects with approved core banking, payment, CRM, contact-center, investment, financing, identity, case-management, document, knowledge, and workflow environments.
Core bankingPayment & card systemsFinancing & application platformsInvestment-service systemsCRMContact-center platformsIdentity & authenticationCase managementDocument systemsKnowledge platformsAPIs & private endpoints
Transform the AI layer without forcing a rip-and-replace decision.
Frequently asked questions
Why is CBOT a leader in banking and financial-services AI?
CBOT combines deep production experience in regulated financial environments with proprietary language and speech technologies, Agentic AI, Digital Employees, enterprise integrations, governance controls, and complete private-deployment options. Leadership wording and supporting evidence receive final corporate approval before publication.
Does CBOT work only with banks?
No. CBOT supports banks and a broader range of financial institutions, including participation-finance organizations, payment institutions, fintech companies, investment companies, consumer-finance organizations, leasing and factoring companies, and other regulated financial-service providers.
How many banks and financial institutions work with CBOT?
CBOT works with 15 banks and more than 40 financial institutions, subject to verification against the current approved corporate reference list.
Which financial use cases does CBOT support?
Customer service, Voice AI, digital journeys, Agentic AI workflows, applications, payments, collections, employee support, Live Chat, Human Agent AI Assist, quality management, and enterprise knowledge.
Does CBOT only provide chatbots?
No. CBOT provides an enterprise AI platform that combines Voice AI, messaging, Agentic AI, local models, Digital Employees, workflow execution, enterprise knowledge, analytics, governance, and private deployment.
Can CBOT connect with banking and financial systems?
Yes. CBOT can connect with approved banking, payment, CRM, card, financing, investment, contact-center, case-management, identity, document, and private enterprise systems.
Can CBOT AI Agents complete financial workflows?
Yes. AI Agents can retrieve information, collect and validate data, initiate workflows, update permitted records, request human approval, and perform defined actions within configured permissions and business rules.
Does CBOT support Voice AI for financial institutions?
Yes. CBOT develops proprietary Speech-to-Text and Text-to-Speech technologies for inbound and outbound financial-service use cases, with deep Turkish and domain-terminology optimization.
What is TAHSİLDAR?
TAHSİLDAR is CBOT's Collection Specialist Digital Employee. It supports intelligent collection and receivables journeys across voice and digital channels within approved policies, communication rules, permissions, and human-escalation conditions.
Can CBOT use local and private models?
Yes. Financial institutions can use CBOT models, supported open-source models, customer-hosted models, private endpoints, and approved commercial models.
Can CBOT operate fully on-premise?
Yes. Supported model inference, speech services, RAG, vector storage, AI Agent runtime, Live Chat, analytics, enterprise knowledge, and integrations can operate within the institution's infrastructure.
How does CBOT govern financial AI?
CBOT combines role-based permissions, deterministic processes, model and tool controls, business validation, human approvals, audit trails, versioning, data policies, and private deployment.
Can CBOT support non-bank collection operations?
Yes. TAHSİLDAR and CBOT's collections architecture can support approved receivables and collection processes for banks, finance companies, payment institutions, leasing and factoring organizations, fintech companies, and other relevant financial institutions.
FINANCIAL AI LEADERSHIP
Build the financial AI operating model others will have to catch up with.
Bring Voice AI, digital agents, Agentic AI, local models, intelligent collections, human collaboration, and enterprise governance into one production-ready financial-services strategy. Work with the AI partner already trusted across leading banks and financial institutions.