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Secure by voice

AI Voice Agent for Financial Services — Account Inquiries & Fraud Alerts by Phone

Answer balance and transaction questions, verify identity securely, and flag suspicious activity by phone — without long hold times.

Spoki Voice for Finance

The Challenge

Financial services calls carry high stakes and strict compliance requirements, but routine questions — balances, recent transactions, card status — still make up most call volume. Long hold times frustrate customers exactly when trust matters most, especially during a fraud scare.

How It Works

Caller reaches Spoki Voice
Every call is answered instantly, with secure identity verification before any account access.
Verifies identity securely
Spoki Voice confirms identity using your existing authentication flow before sharing account details.
Resolves routine requests
Balance checks, recent transactions, and card status are handled without waiting for an agent.
Flags risk instantly
Suspicious activity or fraud reports are escalated immediately to your fraud team with full context.

Example

Spoki Voice

Secure by voice

Hi, I don't recognize a charge on my card from this morning.
I understand — let me verify your identity first, then I'll pull up that transaction.
Sure, go ahead.
Thanks, verified. I can see the charge — I'm flagging it as disputed and connecting you to our fraud team now.

Business Impact

24/7
Account support availability
<10s
Average time to verify identity
100%
Fraud alerts routed instantly
55%
Routine inquiries resolved without an agent

Customization Options

Adapt Spoki Voice to your compliance and security requirements:

  • Identity verification flow and authentication rules
  • Fraud detection triggers and escalation paths
  • Account and transaction data integration
  • Regulatory disclosure scripts
  • Multi-language support
  • Sync with your core banking and CRM systems

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Frequently Asked Questions

What is Spoki?

Spoki is a comprehensive WhatsApp Business API platform that enables businesses to transform WhatsApp into a powerful channel for marketing, sales, and customer support.

With Spoki, you can:

• Automate communications: Send automated messages, create chatbots, and set up intelligent workflows

• Manage customer support: Multi-operator team management with ticketing system and conversation routing

• Increase sales: Recover abandoned carts, send payment requests, and manage your product catalog directly on WhatsApp

• Marketing campaigns: Send bulk messages to thousands of contacts with personalized templates

• AI-powered features: Leverage artificial intelligence to automate responses and qualify leads 24/7

• Integrate with your tools: Connect with over 4,000 platforms including CRM, e-commerce, and marketing tools

Spoki is an official Meta Tech Partner, guaranteeing reliability, security, and access to all official WhatsApp Business API features.

How does the WhatsApp Business API work?

The WhatsApp Business App and the WhatsApp Business API (used by Spoki) are two completely different solutions designed for different business needs:

WhatsApp Business App: • Designed for small businesses and sole proprietors • Manual message management • Limited to 5 devices simultaneously • Maximum 256 contacts per broadcast • No automation capabilities • Free but with significant limitations • No CRM or integration support

WhatsApp Business API (Spoki): • Designed for medium to large businesses • Unlimited operators: Your entire team can manage conversations simultaneously • Unlimited broadcasts: Send messages to thousands of contacts • Advanced automation: Chatbots, automatic responses, intelligent workflows • CRM integration: Connect with your existing tools (HubSpot, Salesforce, etc.) • Analytics & reporting: Detailed statistics on your communications • No ban risk: Official API approved by Meta for bulk messaging • Cloud-based: No need to keep a phone connected • Multi-channel: Integrate WhatsApp with SMS, Voice, and other channels

How much does a Spoki subscription cost?

Spoki offers three pricing tiers: a Free plan at €0/month for basic WhatsApp support and live chat, a Service plan starting at €19/month with AI-powered customer support and unlimited automations, and a Marketing plan starting at €49/month with bulk campaigns and advanced analytics. All plans include unlimited operators at no extra cost. WhatsApp conversation fees are charged separately by Meta based on usage volume.

Is there a free trial?

Yes, Spoki offers a permanent Free plan at €0/month that includes live chat with unlimited operators, basic automations, and a ticketing system. This allows businesses to test core WhatsApp Business API features before upgrading. Paid plans start at €19/month for the Service tier and €49/month for the Marketing tier, with no long-term contracts required.

Can I integrate Spoki with other tools?

Spoki integrates with thousands of platforms through native integrations, Zapier, Make (Integromat), and Webhooks.

Native Integrations:

• E-commerce: Shopify, WooCommerce, PrestaShop, Magento

• CRM: HubSpot, Salesforce, Pipedrive, Zoho, ActiveCampaign

• Marketing: Mailchimp, Google Sheets

• Payment: Stripe, PayPal

• Support: Zendesk

Via Zapier/Make:

Connect to 4,000+ platforms including: • Google Workspace (Sheets, Calendar, Drive) • Microsoft Office 365 • Slack, Trello, Asana • WordPress, Webflow • Custom apps via API

Webhooks & API:

Full REST API for developers to build custom integrations.

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