Open bank accounts through AI chat

Workflow purpose

This guide demonstrates how to use Proto's platform to let a customer open a bank or e-wallet account entirely through AI chat, from personal details through to a KYC check and account creation. Account opening is often the first real transaction a new customer completes with a financial institution, and a slow or clunky process here sets the tone for the whole relationship. This workflow captures the required details, runs a KYC check, and creates the account automatically for straightforward cases.

Who can benefit from this guide:

Digital banks and e-wallet providers onboarding new customers
Microfinance institutions extending reach into underbanked markets
Operations teams wanting to reduce branch visits for simple account opening
Compliance teams needing a consistent KYC check on every new account

Open a bank account

This workflow captures personal details, runs a KYC check, and creates the account automatically unless the risk tier requires manual review. See how to open bank accounts through AI chat.

Just starting with the platform?

For initial setup of your AI agent – including workspace setup, agent training, and channel deployment – please start here. This workflow guide assumes your AI agent is set up and ready for more advanced configurations.

1. Create a trigger

Purpose: Start the flow when a customer wants to open an account.

Navigate to the Actions tab in the AI agent settings.
Click “+ Add Trigger” and select the Message Received trigger type.
Name the trigger “Account Opening”.
Add a description such as “Triggers if user requests to open a new bank or e-wallet account.”

2. Survey – personal details

Purpose: Capture what’s needed to run a KYC check and create the account.

Add a Survey action titled Account application.
Field full_name – Text – What’s your full legal name?
Field id_number – Text – What’s your national ID or passport number?
Field phone – Phone – What’s your mobile number? – Validation: Numbers only.
Field email – Email – What’s your email address? – Validation: Must match standard email format.

3. Send API request – KYC check

Purpose: Verify identity before any account is created.

Add a Send API request action to your KYC verification service with {full_name} and {id_number}. Map the response to kyc_result, including a risk_tier field.

4. Branch – branch by risk tier

Purpose: Create straightforward accounts automatically, and route higher-risk applications to a person.

Add a Branch action.
Condition: kyc_result["risk_tier"] == "low" → Send API request to create the account in your core banking system, storing the response as account_number.
Condition: kyc_result["risk_tier"] == "high" → AI Agent Network handoff to the onboarding officer’s AI agent, passing {full_name}, {id_number}, and {kyc_result}.

5. Confirmation message

Purpose: Give the customer their account number and next steps.

Add a Send message action: “Your account is open. Account number: {account_number}. You can start using it right away.”

6. Test the flow

Purpose: Confirm the risk-tier branch and account creation both behave correctly.

Test with a low-risk applicant and confirm the account number is generated and returned correctly.
Test with a high-risk applicant and confirm the handoff fires rather than creating the account automatically.
Test with an invalid ID number and confirm the KYC check fails gracefully rather than defaulting to low risk.

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