Teenva AI & Digital Ventures builds financial advisory chatbots for banks, NBFCs, AMCs, wealth apps, and insurtech from Bangalore, India. Customers ask about SIPs, loan eligibility, FD rates, card benefits, and account how-tos—the bot answers from your approved product documentation with mandatory disclaimers, topic guardrails, and handoff to licensed human advisors when advice crosses regulatory lines.
Generic ChatGPT gives investment tips you cannot defend in audit. Teenva implements RAG on your factsheets and policy PDFs, tools for balance or application status (scoped), and WhatsApp / mobile app channels—alongside KYC onboarding and fraud-safe account flows.
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Financial advisory chatbot—RAG on your docs, disclaimers, and advisor handoff for banks and fintech.
Hub: AI solutions · Domain: Fintech
What the bot handles (informational scope)
| Topic | Example questions | Boundary |
|---|---|---|
| Product education | "What is a SIP?" "How does a personal loan EMI work?" | General + your product copy |
| Your product catalog | "Which FD tenure do you offer?" "Eligibility for gold loan?" | RAG on your pages only |
| Process how-tos | "How to link UPI?" "Steps to download tax statement" | KB + optional tool |
| Fees & charges | "Prepayment penalty on home loan?" | Cited from schedule of charges |
| Onboarding help | "Documents for KYC?" | Links to KYC flow content |
| Application status (scoped) | "My loan application status?" | Authenticated tool to your LOS |
| Portfolio summary (scoped) | "My mutual fund holdings?" | Read-only API after login |
Escalates — "Should I sell all equity now?", tax planning for my situation, guaranteed return claims → human advisor with disclaimer.
Compliance-first design
| Control | Implementation |
|---|---|
| Disclaimers | "Not investment advice" / "Consult your RM" on sensitive intents |
| Topic allowlist | Only approved product and support categories |
| Citation required | Answers link to source doc or URL in your domain |
| No hallucinated rates | Rates and fees from API or indexed table—not LLM memory |
| Audit log | Full transcript retained per your retention policy |
| PII handling | Mask account numbers in logs; tools require session auth |
| Regulatory review | Copy and intents signed off by your compliance before launch |
Teenva builds technology; you remain the regulated entity and approve customer-facing language.
Features we implement
- RAG knowledge base — factsheets, T&C, FAQ, RBI/SEBI circular summaries (your interpretation)
- Intent routing — FAQ vs account tool vs escalate
- Product comparison (scoped) — side-by-side your products only, neutral tone
- Calculator tools (scoped) — EMI, SIP projection with fixed formula—not predictive returns
- Multilingual — English, Hindi, Tamil, etc. (scoped) with per-language eval
- Channels — web widget, mobile app, WhatsApp
- RM handoff — live chat, callback queue, Zoho CRM lead
- Agent assist (scoped) — suggested replies for branch/chat staff from same KB
- Analytics — deflection, CSAT, escalation rate, top compliance near-misses
- Eval suite — "Guaranteed 20% return?" must refuse; "What is ELSS?" must cite KB
Architecture
Customer message (web / app / WhatsApp)
Intent + compliance classifier
RAG retrieval (product docs, FAQs, rate tables)
Tools (optional): balance, application status, EMI calc
LLM response + mandatory disclaimer + citations
Escalate to human advisor if out of scope
Analytics + compliance audit log
- Rate freshness — scheduled sync from product master or CMS
- Deployment — private Azure OpenAI / VPC LLM; no customer PII to public APIs (scoped)
Use cases by institution type
| Institution | Chatbot role |
|---|---|
| Retail bank | Card benefits, FD/RD, branch services, loan FAQ |
| NBFC / lender | EMI, foreclosure, document list, application tracking |
| AMC / wealth app | SIP education, fund category explainers—not stock picks |
| Insurtech (scoped) | Policy types, claim process overview |
| Corporate banking (scoped) | FX process, trade finance document checklist |
| Fintech aggregator (scoped) | Compare your partner products with neutral disclaimers |
Integrations
Core systems
Regulators punish wrong advice, not wrong code. We design for citation, refusal, and handoff—so the bot educates and routes, instead of improvising market calls.
Advisory chatbot vs other fintech AI
| Product | Focus |
|---|---|
| Financial advisory chatbot | Customer-facing product FAQ and educational guidance |
| AI KYC verification | Identity verification at onboarding |
| AI fraud detection | Transaction risk scoring |
| AI credit risk analysis | Internal lending decision models |
| Transaction categorization AI | Label spends for PFM dashboards |
Why Teenva AI
Fintech + conversational AI
Not generic support bots pasted on banking appsIndia market
UPI, SIP, ELSS, NBFC loan language in Hindi/English eval setsCompliance workflow
Intent review with your legal team before productionOmnichannel
Same KB on app, web, WhatsAppOps
Managed IT support when product docs or APIs change
Delivery process
Discovery
products, channels, compliance constraints, escalation paths
Content audit
index factsheets, fees, FAQs; flag gaps
Intent map
allowed vs blocked vs handoff topics
Disclaimer & copy review
your compliance sign-off
RAG + tools
KB index; optional authenticated APIs
Eval harness
regulatory refusal tests + product accuracy
Pilot
employee-only or limited customer segment
Launch
monitor escalations and near-miss logs
Iterate
new products, seasonal campaigns (scoped)
Explore
Frequently asked questions
No—Teenva provides software. The bot operates within your regulatory license and approved copy; personalized advice flows to human RMs.
Only if your compliance approves scoped intents with disclaimers; default is education + your product catalog, not open-market tips.
Rates pulled from API or indexed tables; bot refuses if data missing.
Yes via WhatsApp Business API with template and session rules.
Scoped read-only application status tool after customer authentication.
Supported with separate eval sets per language—not translate-only.
Deflects tier-1; complex and regulated queries escalate with full transcript.
LLM and KB can deploy in your cloud region (scoped).
Deflection rate, CSAT, escalation quality, compliance near-miss count (target: zero).
8–10 weeks MVP (web widget + RAG + disclaimers + handoff) with content ready from your team.
Related fintech AI solutions
Build your financial advisory chatbot
Educational answers, product discovery, and RM handoff—not unlicensed personalized investment advice.
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