Banking support that resolves, and stays compliant.
From balance questions to card disputes and fraud, Symphia gives banks and fintechs an agent that answers accurately, takes real action on your core systems, and never steps outside its guardrails.
Use cases
The conversations that flood your contact center
Symphia handles the high-volume, high-stakes requests accurately — and escalates the rest with full context.
Balance & transaction questions
"Why was I charged twice at the coffee shop?" The agent pulls the customer's authenticated transaction history and explains pending holds, fees, and merchant names in plain language.
Card disputes & chargebacks
Walks the customer through disputing a charge, gathers the required evidence, opens the case in your dispute system, and sets expectations on provisional credit timing.
Fraud checks & card controls
Confirms suspicious activity, freezes or locks a card on request, and reissues — calling your core banking APIs live while keeping the customer reassured.
KYC & onboarding help
Guides applicants through identity verification, explains why a document was rejected, and resolves the most common stuck-application states without a banker.
Payments & transfers
Answers questions about ACH timing, wire cutoffs, and limits, and helps customers set up or trace a transfer — all within your transaction guardrails.
Statements & tax docs
Locates statements, 1099s, and interest summaries, explains line items, and emails secure copies to the verified account holder on file.
Compliance & control
Built for regulated money movement
Financial conversations demand precision and provability. Symphia grounds every answer in your policies, gates sensitive actions behind verification and journeys, and writes a complete audit trail your risk and compliance teams can trust.
- Tenant isolation and scoped secrets keep customer data contained
- Journeys gate disputes, freezes, and transfers behind the right checks
- Moderation prevents off-policy guidance on rates, products, or advice
- Every action and answer is logged for audit and oversight
- Identity verified ✓
- No financial advice enforced
- Transfer limit checked $2,500/day
- Audit log recording
Frequently asked questions
How does the agent verify a customer before acting?+
Sensitive actions sit behind journeys that require your authentication step first. The agent only reads account data or moves money once your verification flow confirms identity.
Can it give financial or investment advice?+
No. Moderation and journey guardrails keep it to factual support — explaining transactions, products, and processes — and route advice-seeking conversations to a licensed human.
Does it connect to our core banking system?+
Yes. The agent calls your APIs as scoped tools to read balances, lock cards, open disputes, and trace transfers — with secrets isolated per tenant.
Is everything auditable?+
Every answer, tool call, and handoff is logged to one console, giving risk and compliance a complete, reviewable record of each interaction.