Smart Assistant
Your external and internal customers will finally understand transactions and be able to find what they’re looking for, instantly. Discover Smart Assistant, the financial coach of the future.
Fewer support tickets
Automate doubt resolution by clearly explaining transactions.
Real operational savings
Fewer calls, fewer emails, and greater efficiency for your CSS department.
Seamless user experience
Let users search the way they think—using natural language.
Competitive advantage
A groundbreaking experience backed by 7 years of expertise.
Upselling and cross-selling
Identify purchase intent through customer searches.
Data that drives value
Turn transactions into insights: categorize, enrich, and summarize.
Smart Assistant by Coinscrap Finance
A new way to interact with your users
You’ll be able to listen, understand, and respond to your users—while dedicating minimal resources. The new digital paradigm puts innovation at the service of your business, enabling your data to perform at its best with the highest efficiency in the market.
Conversational Search
Empower customers to ask questions in their own words and receive precise answers that make managing and understanding their finances easier.
Data Enrichment
Automatically identify merchants and highlight key transaction details—such as date, location, and status—to enhance the quality and accuracy of every interaction.
Smart Filters
Give users clarity and control by showing the reasons behind each result and allowing them to refine their search with a single click.
Personalized Advice
Leverage spending patterns to offer tailored recommendations for financial products, adapting to each customer’s unique behavior.
Financial Education
Help users learn about their spending habits and deliver real-time suggestions to improve their financial health.
Integrated Security
Apply rigorous privacy and data security standards, ensuring information is protected and risks are minimized.
Get ready to fully understand your customers
As a bank, you no longer have to guess what matters most to your users. They reveal it themselves through their searches within your app.
With 62% of global consumers* using digital banking to check their transactions daily, now is the time to embrace a solution that empowers you to capture actionable insights and design personalized offers—strengthening your long-term relationship with every customer.
Let your users guide you. Turn their needs into your next opportunity to inspire loyalty, deliver value, and lead the future of banking.
*2024 Payments Observatory Report prepared by Ditrendia.
Smart Assistant advantages
Smart Assistant by Coinscrap Finance transforms the banking experience: it contextualizes, interprets, and responds in natural language, powered by the most advanced enrichment engine in the Spanish-speaking markets.
Smart Assistant is fully compatible with:
Use cases in Banking
At Coinscrap Finance, we knew the market didn’t need another generic chatbot. That’s why we chose a different path: combining our transactional intelligence with the best of conversational AI. This is how Smart Assistant was born.
External Client
Transaction Identification
Questions like How much did I spend on transportation this month? or What is this €105.22 charge for? are answered in a fraction of a second.
External Client
Expense & Income Analysis
Smart Assistant displays categories related to the user’s query, delivering a real-time financial snapshot tailored to their needs.
External Client
Product Recommendations
When a client asks about their health insurance payment, for example, the bank can seize that moment to offer a policy perfectly aligned with their profile.
External Client
Transactional Data Monetization
Turn transactions into actionable intelligence: uncover interests, unmet needs, savings opportunities, and investment potential—all at your fingertips.
Internal Customer
Hidden Insights Discovery
Transform every transaction into valuable insights. Receive recommendations that reveal customer habits and behaviors you never imagined.
Internal Customer
Sales Opportunity Identification
Trained on your clients’ data and product portfolio, Smart Assistant identifies hyper-targeted sales opportunities for each customer.
External Client
Transaction Identification
Questions like How much did I spend on transportation this month? or What is this €105.22 charge for? are answered in a fraction of a second.
External Client
Expense & Income Analysis
Smart Search displays categories related to the user’s query, delivering a real-time financial snapshot tailored to their needs.
External Client
Product Recommendations
When a client asks about their health insurance payment, for example, the bank can seize that moment to offer a policy perfectly aligned with their profile.
External Client
Transactional Data Monetization
Turn transactions into actionable intelligence: uncover interests, unmet needs, savings opportunities, and investment potential—all at your fingertips.
Internal Customer
Hidden Insights Discovery
Transform every transaction into valuable insights. Receive recommendations that reveal customer habits and behaviors you never imagined.
Internal Customer
Sales Opportunity Identification
Trained on your clients’ data and product portfolio, Smart Search identifies hyper-targeted sales opportunities for each customer.
Conversations That Transform Your Business
Today’s banking customer demands a unique, intuitive, and frictionless digital experience.
In the era of artificial intelligence, experts in transactional data have become essential allies, enabling the financial industry to turn the future into reality.
The time of Smart Assistant is now.
Frequently Asked Questions (FAQs)
What is Smart Assistant and how is it different from a traditional banking chatbot?
Smart Assistant is a conversational artificial intelligence tool developed specifically for the banking sector. Unlike traditional chatbots, it combines natural language processing and machine learning with advanced transactional analysis, allowing users to search for and understand their financial movements in real time.
All of this happens through natural language, just as users would speak with a human agent. Clients receive a precise, contextualized, and useful response in a fraction of a second (which also provides commercial value to the bank).
What kind of data does it analyze and how does it turn it into value?
Smart Assistant navigates the dataset—previously curated and structured by our COCO engine—together with each client’s transactional data to obtain a 360º view of their financial situation: categories of expenses and income, periodicities, subscriptions, transaction locations, payment methods, and much more.
This innovative tool processes thousands of data points in real time and converts them into actionable insights, identifying spending patterns, latent needs, and even savings or investment opportunities. Of course, all of this is done while adhering to the highest standards of data security and privacy.
What real benefits does it bring to the banking industry?
Conversational artificial intelligence continues to gain ground, as evidenced by how quickly major banks are adopting it. Our tool is superior to generalist LLMs, as it eliminates hallucinations and errors thanks to its combination with the prior work of our COCO engine, trained with millions of real transactions.
One of the key differentiators of this solution is access to a pre-analyzed, categorized, and enriched database. Here are some of its most notable benefits:
- Reduction in customer service center inquiries.
- Operational savings thanks to efficiency improvements.
- Training and design specifically for financial institutions.
- Interactions that significantly boost user satisfaction.
- Increased engagement and loyalty.
- Promotes organic financial education and savings.
- Easy integration with the bank’s infrastructure.
- Detection of real business opportunities.
- Standardized response format: JSON.
- Continuous learning and ongoing evolution.
What advantages does it offer to improve the user experience?
Smart Assistant represents a radically new way to engage with your users. With minimal investment, your online banking can capture the customer’s voice, interpret it, and respond in the best possible way.
This engine is not only the fastest financial information search tool in Spanish-speaking markets, but also a solution that allows your clients to understand their finances, access data easily, and improve their savings capacity. Accessibility is much greater by integrating conversational AI, as online banking users can make queries just as they normally speak:
– “How much did I spend on leisure this month?”
– “How much do I pay in subscriptions per year?”
– “What has been my transport spending in the last week?”
Smart Assistant learns from every interaction, so it continuously improves. Additionally, it personalizes responses based on context; it can highlight merchants to promote financial health, classify expenses and income, adapt filters, and make real-time suggestions.
As if that weren’t enough, our tool offers clients 100% personalized summaries and suggestions tailored to their individual financial behavior. The result: a unique and memorable experience within your digital platform.
What direct impact does it have on conversion and sales?
Smart Assistant detects sales opportunities through user searches and triggers relevant recommendations in real time. Frictionless contextual marketing, when the client is already thinking about the product.
For example, in response to an inquiry about insurance, it can automatically suggest an upgrade to their current coverage, adapting to their specific profile and needs. You no longer have to guess what’s most important to the client—they tell you through their searches!
Leverage our 7 years of experience in transactional data analysis to find opportunities for upselling and cross-selling. Several purchases at pet stores? Offer them insurance that fits their lifestyle. Have they registered a domain and paid their self-employment fee? They might need protection with a good life insurance policy.
How does it integrate with our current systems?
- Customizable widget in the banking app.
- Integration into the institution’s chat.
- Consumption via REST API.
Integration for sales managers:
- Integration into internal CRM dashboards (e.g., Salesforce).
All Smart Assistant responses are structured in JSON format, making them easy to use directly in frontends or internal systems. Our motto: standardization, agility, and flexibility.
How does it guarantee data privacy and security?
Smart Assistant adapts to your bank, not the other way around. Its deployment is completely flexible and secure, allowing integration in the public cloud with all necessary protocols, on the bank’s own servers for total data control, or even in a private cloud under direct supervision of the institution. You choose the environment that best suits your needs.
Additionally, transactional data processing is handled with the utmost care: at no time is this data sent to the artificial intelligence. The only thing the AI does is interpret what the user wants to know and, from there, build a real-time query against the Data Lake. Only the information necessary to provide the answer is retrieved—nothing more, nothing less.
Of course, all of this is done in strict regulatory compliance, including GDPR and applicable local regulations. And to ensure nothing is left unchecked, every action and response is logged, allowing for complete auditing, traceability, and full oversight. Thus, innovation and control always go hand in hand.
Is it possible to test it before implementation?
Absolutely. Our team works with personalized demos for each specific case. We invite you to test Smart Assistant’s efficiency with your own data. You can also take advantage of the prior work we have done in our simulated environment.
See how our conversational AI, powered by COCO, leverages all the advantages of Big Data to achieve your business and innovation goals. Now you can transform your online banking and build customer loyalty with Smart Assistant—here’s the link: