ABB Bank has introduced another innovative solution powered by
artificial intelligence. The new development is the Personal
Financial Manager, available through the ABB mobile app.
Following the launch of this feature, AI-nur and AI-khan in ABB
mobile have become more than just voice-based AI assistants that
answer customer questions. They now act as personal financial
guides, helping users better understand their financial behavior,
manage their personal budgets, and make more informed
decisions.
ABB mobile users can now control their personal budgets more
clearly, regularly analyze their income and expenses, and build
financial habits aligned with their goals simply by communicating
with AI-nur and AI-khan.
Analyzes Income and Expenses and Helps Manage Financial
Habits!
The AI-powered Personal Financial Manager analyzes a customer’s
transaction history, provides a detailed breakdown of income and
expenses, presents the data in a visualized format, and helps
compare financial indicators across different periods.
Customers no longer need to limit themselves to viewing a list
of card transactions. With the help of the AI assistant, they can
accurately identify the categories in which their income and
expenses are formed, understand when and what they spend the most
on, and discover opportunities for managing money more efficiently
and saving more effectively.
One of the key advantages of the Personal Financial Manager is
the ability to conduct comparative data analysis. Customers can
track changes in their financial behavior by days, weeks, months,
or over longer periods.
For example, a user can ask AI-nur or AI-khan questions such as:
“What did I spend the most money on this month?”, “What were my
five largest expenses over the past 30 days?”, “How much did I
spend on restaurants this week?”, “How much did I spend on fuel
this year?”, “What were my main sources of income over the past
three months?” and other similar requests. As a result, customers
not only see their income and expenses, but also gain a clearer
understanding of the everyday financial habits behind these
figures.
Supports Financial Decision-Making!
The new product is especially useful for customers who want to
monitor their personal budgets, strengthen control over expenses,
and build a better balance between income and spending. Customers
can now view their financial situation not only through general
figures, but also through more detailed, personalized
explanations.
The AI assistant analyzes the structure of a customer’s income
and expenses and helps them make more rational financial decisions.
For example, users can separately analyze spending on
subscriptions, recurring payments, restaurants and delivery, cash
withdrawals, and other categories.
In this way, the Personal Financial Manager not only answers the
question “How much did you spend?” but also offers a practical
perspective on another important question: “What can be changed to
manage finances better?”
Performs Banking Operations in a Conversational
Format!
The functionality of AI-nur and AI-khan is not limited to
financial analytics. These AI-powered personal financial managers
also allow customers to carry out everyday banking operations
through voice commands.
Customers can pay for mobile services on Azercell, Bakcell, and
Nar numbers simply by giving a voice command to AI-nur or AI-khan.
In addition, AI assistants can be used to make transfers to ABB
Bank cards and cards of other banks – by card number or through a
pre-created template.
The Personal Financial Manager makes transfers between cards and
accounts, sending money to others by mobile number, carrying out
various banking operations, and receiving answers to customer
inquiries more convenient. If needed, customers can also block a
card or reactivate it through AI-nur and AI-khan.
Manages Subscriptions!
Until now, ABB mobile users could activate and deactivate
subscriptions for all Visa cards through the app – including
subscriptions for television, music, entertainment platforms,
educational services, food, delivery, and other services. Now,
these operations can also be performed by the Personal Financial
Manager at the customer’s request.
Customers only need to speak with AI-nur or AI-khan to manage
their subscriptions. This makes the use of everyday digital
services even more flexible, faster, and more intuitive.
More Than 4 Million Interactions!
In a short period of time, customers have carried out more than
4 million interactions with AI-nur and AI-khan. This figure
reflects the growing interest of users in AI-powered banking
services.
The new AI capabilities introduced by ABB Bank make banking
services more convenient, faster, and more accessible. At the same
time, a high level of security requirements is maintained at every
stage. In the near future, the Bank plans to continue developing
the user experience in the field of artificial intelligence by
launching new features.
