AI agent for retail banking: payments, transfers, top-ups and queries — all on WhatsApp.
Retail Banking is Delto’s AI agent that turns WhatsApp, webchat and voice into a full transactional channel: real WhatsApp banking, not a menu with buttons. The customer types one sentence, "pay the electricity bill" or "send 5000 to mom", and the agent validates, executes in the core banking system and confirms with a receipt, no app, no login, no friction.
The operations covered range from everyday to critical: transfers by account number or alias, bill and card payments, balance and transaction queries with a visual summary, phone and transport top-ups, instant virtual card issuance for online purchases, and immediate blocking with a virtual card issued while the physical one arrives. The agent also flags upcoming due dates and lets the customer pay them in the same conversation.
Against the traditional banking app, the conversational channel converts more and costs less: retail banks running the agent report 50% higher conversion in flows, 70% lower total cost versus maintaining a native app and 80% faster evolution because changes ship to production in hours, with no app store releases. At Ficohsa, 35% of retail operations already run through WhatsApp without touching the app.
Is it safe to bank over WhatsApp? With the right architecture, yes. Every sensitive operation requires strong authentication with step-up MFA and biometrics, card data travels tokenized under PCI DSS Level 1 and the PAN is never exposed to the language model, fraud prevention analyzes anomalous patterns in real time before executing following FATF and AML standards, and every operation is signed and reproducible for external audit.
The agent does not replace the app: it adds a channel where the customer already lives. WhatsApp for everyday banking, webchat embedded in the bank’s site or app for longer sessions, and voice for customers who do not type. The same core connection the app uses, the same security, and support and transactions in a single conversation.
Delto is the conversational AI agent suite built exclusively for banks across LATAM and the Caribbean. With over 10 years of banking experience, its agents run on WhatsApp, web and voice with compliance solved from day one, and your first agent can be in production in weeks, not months. The suite includes Studio to build agents without code, Engage for proactive campaigns, Analytics to measure operations, Pulse to capture the voice of the customer and Loop for handoff to human agents, on top of 340+ proven banking skills and auditable risk controls.
Delto — The Agentic Banking Suite. Conversational AI agents for banks across LATAM and the Caribbean: conversational banking, compliance by design and time-to-value in weeks. Request a demo to see the platform running on your own channels.
It means running the full bank inside WhatsApp using natural language: transfers, bill payments, balance queries, top-ups, virtual cards and blocking, without downloading an app or remembering passwords. Delto’s agent executes operations directly in the core banking system.
Yes, with the right architecture. Sensitive operations require strong authentication with MFA and biometrics, card data travels tokenized under PCI DSS Level 1, fraud prevention analyzes patterns in real time and every operation is signed for external audit.
Transfers by account or alias, bill and card payments, balance and transactions, top-ups, instant virtual card issuance, blocking and replacement, and due-date payments the agent flags proactively.
No, it complements it. It uses the same core integrations as the app, with the same security, and adds a channel where the customer already is. In banks running the agent, up to 35% of retail operations go through WhatsApp.