BANKS AND FINANCIAL INSTITUTIONS

A voice AI employee for your bank — in Uzbek, inside your perimeter

A customer calls at 23:14 and speaks Uzbek. The line answers — in their language and inside your perimeter.

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Zukko.AI line dashboard: first-call close rate, abandonment rate, average handle time, average speed of answer, average wait time and a month-long load chart

Deployed inside the bank perimeteraudio and transcripts never leave it

100+ linesat once — capacity sized to your peak3 languagesthe answer follows the language of the enquiryup to 30 daysto production inside the bank perimeter
A DAY ON THE LINE

Nights and peaks stop being a hole in the schedule

The shape of demand does not change. What changes is the covered share — with the same headcount on shift.

Today / After rollout
Today
After rollout
  • left unanswered
  • handled by people
  • handled by the AI employee
An illustration, not a measurement: the heights come from your contact-centre report
Today

A call at 23:14

CustomerHears the ringtone

OutcomeBy morning nobody knows who called

With an AI employee

The same call at 23:14

AIAnswers in the language of the enquiry

OutcomeThe question is closed or logged

One night call, two routes — Today the route ends on the ringtone; after rollout the same call ends with an answer or with a logged case.
The call joins the queuePeak hour or night, no agent is free
Today: hang-up without a traceNo topic, no reason, no task
With AI: an answer in the caller languageA free line exists at any hour
Resolved or loggedAn answer from the knowledge base or a case with context
The fate of an enquiry nobody is free to answer today

The call joins the queue; today the route ends with no record, with the AI employee the enquiry is resolved in the conversation or logged with its context.

  • Peaks are absorbed by capacity, not by overtime
  • At night the same scenarios and knowledge base are at work
  • Complex conversations stay with bank staff
OBSERVABILITY

You hear a sample — you will see everything

Line quality is known through the share of recordings a supervisor managed to hear. After rollout every conversation is reviewed.

Today / After rollout
Today

7 of 100 conversations reviewed

After rollout

100 out of 100 reviewed

  • not reviewed
  • listened to by a supervisor
  • reviewed by the system
One hundred conversations of a shift; the real sampling share comes from your report
Contact-centre daily wrap-up in Zukko.AI: number of operators, total calls, inbound, outbound and the average conversation quality score for the selected period
Shift wrap-up: operators, line volume, inbound and outbound, average call score
Operator-by-day matrix in Zukko.AI: for each operator and each day — call count, average AQS score, speed of answer, the AI review and the recommendation for the next day
Every conversation of every operator is reviewed — not a sample

  • Enquiry topics

    Cards, loans, deposits, transfers, blocks

  • Reasons for hand-off

    Where the first line stumbles

  • Gaps in the knowledge base

    Frequent questions with no answer in the rules

We publish no accuracy figure: we measure it on your calls by an agreed methodology

THE TECHNOLOGY GAP

Global models do not deliver the Uzbek voice

A customer speaking Uzbek still waits for an agent. We train recognition and synthesis ourselves, inside your perimeter.

  1. 01Customer speech
  2. 02Recognition
  3. 03Bank knowledge base
  4. 04Action in the system
  5. 05Synthesis
The pipeline runs inside the perimeter: neither the audio nor the transcript leaves it

Customer speech, recognition, the bank knowledge base, an action in the system, speech synthesis — the whole path inside the bank perimeter.

  • Uzbek and mixed speech — our own models inside the perimeter
  • Natural synthesis, a male and a female voice
  • Answers are built from the bank knowledge base

Rate and transfer — mixed speech

UZ / RU
  1. 00:02Dollar kursi qancha bugunWhat is the dollar rate today
  2. 00:05AIKursni hozir aytaman, keyin oʻtkazma shartlarini koʻramizI will give you the rate, then we will go through the transfer terms
  3. 00:24Ha, и ещё скажите, когда деньги дойдутYes, and also tell me when the money will arrive
  4. 00:28AISwitching to Russian. The timing depends on the destination — name the country
What the AI did
  • The customer switched to Russian — the answer followed
  • Took the rate from the bank system, not from a recorded phrase

A sample conversation, not a recording of a bank customer

THE DATA PERIMETER

You are in control, we deliver

IT and information-security management stays with the bank; servers and databases sit in the bank data centre or in one agreed with the regulator.

Bank perimeter
  • Inbound
    • Telephony and SIP trunk
    • Messengers and the web channel
    • Mobile app
  • AI core
    • Recognition and synthesis
    • Language model
    • Bank knowledge base
    • Audit log

    Audio, transcripts and personal data stay inside the closed bank network

  • Bank systems
    • Core banking (ABS)
    • CRM and ticketing
    • Agent workstation
  • call and enquiry
  • data request and result write-back
  • hand-off with context

Bank channels pass the enquiry to the AI core deployed inside the bank perimeter; the core works with core banking, CRM and the agent workstation; the diagram has no external endpoints.

Not a single arrow leaves the perimeter

On-premise in the bank data centre · a private perimeter in an agreed data centre · a hybrid scheme. Your information-security team chooses.

  • Storage and computation are resident

    Recognition, the answer and synthesis run inside the perimeter.

  • The bank governs, we deliver

    A public cloud delivery does not fit a bank.

  • Models trained on your calls are yours

    On termination they are exported to the bank and deleted on our side.

We hold no certificates — we do have working controls

We do not claim ISO 27001, SOC 2 or PCI DSS. Everything listed above your information-security team verifies itself, before the contract is signed.

You walk into the security committee with an answer, not with a question

How platform security is built
CONTROL AND RESILIENCE

Who governs what, and what happens on failure

The bank does not outsource IT and security management. The line is visible before the contract, not at the security review.

The table scrolls horizontally

Who governs what, and what happens on failure
AreaBankZukkoHow it is verified
Infrastructure and security toolinggovernsdeliversDeployment record
Data access and permissionsgovernshas noneRole model, access log
Stopping the automationgovernstakes no partThe switch is on the bank side
Recordings and retentionownsdoes not exportRetention policy

Not a single row of the «Bank» column moves to our side

You get a dashboard, not a console: the rollout is run by the Zukko team

  1. Level 0

    Normal

    The AI leads the conversation, an agent by the escalation rules.

  2. Level 1

    The bank system is not responding

    The AI keeps reference topics, everything else goes to a person.

  3. Level 2

    The AI is unavailable

    The standard contact-centre route, as before the rollout.

  4. Level 3

    A stop decided by the bank

    A conversation with an agent, with no intermediate steps.

At no level is the customer left without a route

HOW IT WORKS

From the call to a record in the bank systems — in one pass

The AI carries the enquiry through to a record in the bank system. Where a person is needed, the conversation goes to an agent with its context.

  1. 01

    Enquiry

    A call, Telegram or the web; the language from the first line

  2. 02

    Understanding

    Free-form parsing, with no menu item to pick

  3. 03

    Identification

    Identity verification by the bank rules

    Required on 76 % of calls in a financial contact centrePCI Pal, global data, 2025

  4. 04

    Action

    Core banking (ABS) or CRM

  5. 05

    Writing the result

    A task, a case and a summary in CRM

  6. 06

    Hand-off

    By topic, by customer request or by signs of irritation

A decision that matters to the customer stays with a bank employee
  • Balance and statement
  • Card block and reissue
  • Loan application status
  • Payment reminders
  • Rates and transfers
  • Account opening
  • Disputed transaction review
  • Product terms
  • Branches and opening hours
  • Routing to an agent
  • Outbound campaigns
  • Satisfaction survey

The bank chooses the composition and the order; the first scenario is set at discovery

MONEY AND TIMELINE

What a minute costs and when it starts working

We name no price per minute before measuring it on your traffic. To production — up to 30 days.

The cost of a live-line minute

  • An agent minute with overheads~3,200 UZSZukko calculation, July 2026
  • An outsourced contact-centre minute1,550–2,900 UZSZukko calculation from CIS quotes, 2026
  • An agent minute by payroll alone~1,100 UZSZukko calculation from the GorodRabot.uz median, July 2026
  • A voice AI minute inside your perimetercalculated at discoverydepends on the load profile and the deployment scheme
The bottom row is deliberately empty: we name no figure before measuring it

The calculation excludes infrastructure, integration work and training of the bank team.

ROLLOUT

From the first call to production

  1. 01

    Discovery

  2. 02

    Security review

  3. 03

    Test perimeter

  4. 04

    Scaling

  5. 30days

    up to 30 daysthe upper bound of the timeline

Discovery, security review, a test perimeter on limited traffic, scaling; the full timeline is up to 30 days.

Availability and response-time commitments are fixed in the contract after measurement

NEXT STEP

Test the AI on your own bank products

Sixty minutes: a live voice conversation on your products and a walkthrough of the deployment scheme.

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We run the conversation on your own rules · we walk the scheme through with your security team

QUESTIONS AND ANSWERS

What gets asked before the first meeting

Where is the data physically stored and processed

Inside the bank perimeter: recognition, the answer, synthesis and analytics all run within it. Not only storage but computation is resident.

Who governs the infrastructure and what is needed from bank IT

The bank governs it — these functions are not outsourced. We need SIP access to telephony, exchange methods with core banking and CRM, and resources inside the perimeter; the effort is named at discovery.

How is banking secrecy observed and what happens to recordings

Access is split by role, every action is logged, personal data is masked. The bank sets the retention period and deletion on schedule is automatic.

How confidently does the AI handle Uzbek speech

We train recognition and synthesis ourselves, including mixed Uzbek-Russian speech. We publish no accuracy figure: we measure it on your calls by an agreed methodology.

Do you have rollouts in the banking sector

No. In production we run at a national airline on text enquiries and at a national medical centre on voice and conversation review. We say this before the tender, not after it.

What SLA do you give and how does escalation work

Availability and response-time commitments are fixed in the contract after measurement on your traffic — we name no figure upfront. Escalation is triggered by topic, by customer request and by signs of irritation, and carries the transcript and the enquiry history.

BEGIN

Let us start with one scenario on your own traffic

We pick one voice scenario, deploy it inside the bank perimeter and measure the result on your calls, not on our slides.

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Deployed inside the bank perimeter · up to 30 days to production