Banco República · Assistant
Automated assistant with human oversight
Demo controls
María, 74, tries to transfer $45,000 to a new account after receiving a message from an unknown number claiming to be her grandson.
What the agent detects
Risk: low
- Unusual amount for the customer's history
- New destination account, no previous transfers
- Urgent language and emotional pressure
- Recent contact from an unknown number
- Matches the "grandparent scam" pattern (family member + urgency + third-party account)
Every signal is explainable and auditable. The agent never decides on its own: it pauses, asks, and verifies. The final decision always belongs to the person or to a human at the bank.
Design principles applied
- Transparency: the agent always identifies itself as automated; it never poses as a human.
- Autonomy without lockouts: a reversible 30-minute pause; it never freezes funds or decides for the customer.
- Human escalation: a "talk to a person" option visible at every step of the conversation.
- Data minimization: it never asks for passwords, PINs, or documents over chat; if the customer sends them, it discards them and raises an alert.
- No blame: clear, respectful language that never patronizes or shames the victim.
- Accessibility: adjustable large text, AA contrast, 48px buttons, button-based replies (no typing required), screen reader compatible.
- Consent: a family member is notified only if María authorizes it at that moment.