"A coworker is getting married. How much should I send as a wedding gift?"
When told this, K Bank's new artificial intelligence (AI) transfer service recommended 100,000 won as an appropriate wedding gift amount. When the user then said the name of the coworker to receive the money, the AI automatically found the account from previous transfer records and set up the transfer screen. After confirming the recipient and amount, the transfer was completed simply by pressing the "Send" button. There was no need to manually enter the account number or check recent transfer records one by one.
K Bank launched its "AI Transfer" service on the 27th, which allows users to send money as if chatting with an AI using only natural language and voice commands. When users type or speak everyday phrases such as "Send 100,000 won to Mom" or "Send 50,000 won to Assistant Manager Kim," the AI identifies the recipient and transfer amount and sets up the transfer screen.
If frequently used accounts are registered under titles or nicknames such as "Mom," "Company," or "Gym," the service automatically finds the corresponding account based on previous transfer records simply by saying the nickname instead of the name. Users can also receive related account recommendations by entering only part of a name or account number. It is the first time voice transfers are supported on both Android and iPhone.
The service also provides a recommendation feature for those uncertain about how much to send. It suggests appropriate amounts by comprehensively considering the purpose of the transfer, such as wedding gifts, condolence money, allowances, or living expenses, as well as the relationship with the recipient.
The service also reduces the possibility of sending money to the wrong person or transferring an incorrect amount due to AI misrecognition. The AI only recommends transfer information and sets up the transfer screen; the actual transfer is completed only after the customer makes a final confirmation of the recipient and amount and presses the "Send" button. It is designed so that the AI does not execute transfers on its own. "We implemented this so that users can send money naturally using their everyday expressions, without having to remember account numbers or copy and paste them," a K Bank official said. "We plan to enhance the convenience of financial services through AI."
