AI-Powered Financial &
Insurance Solutions

ACTT Management delivers AI-powered solutions for financial institutions and insurers, enabling digital transformation, enhanced customer experiences, and greater operational efficiency.

Our Solutions

ACTT Management offers two core AI-powered solutions: Banking AI Operations Solution, which supports smarter and more efficient financial operations, and Insurance AI Solution, which enables personalized, data-driven insurance services.

Banking AI Operations Solution

AI Operations Solution (AOS) - AI-Powered Digital Operations & Smart Automation

The Banking AI Operations Solution is a modular, AI-powered platform designed to help financial institutions modernize and optimize digital operations. It provides capabilities for customer service, remote identity verification, workflow automation, smart ATMs and kiosks, smart branches, integrated monitoring, and a unified operations platform.

By combining natural language understanding, automated identity verification, intelligent document processing, anomaly detection, and personalized service recommendations, it helps financial institutions build a smarter, more reliable, and more efficient digital operating environment.

Key Modules

Seven Modules for AI-Powered Banking Operations

The platform comprises seven modules: AI Chatbot, AI e-KYC, AI RPA, AI Smart ATM / Smart Kiosk, AI Smart Branch, AI Integrated Monitoring, and AI Operation Platform. Each module can be implemented independently or integrated with existing systems, enabling phased adoption based on operational priorities.

  • AI Chatbot

    Powered by natural language processing (NLP), the chatbot understands customer intent and conversation context to automatically provide information on financial products, service usage, and frequently asked questions. It helps financial institutions reduce repetitive customer inquiries while enabling customers to access the information they need more quickly and conveniently.

    Compared with conventional chatbots: Understands questions expressed in various ways without relying solely on predefined scenarios and provides automated customer support 24/7.

  • AI e-KYC

    Combines ID document OCR, facial matching, video verification, and FIDO-based authentication to automate remote customer onboarding. It verifies document authenticity and identifies anomalies during the authentication process, improving both the reliability and convenience of customer verification.

    Compared with conventional KYC: Reduces manual verification and supports faster, more secure customer identification through ID recognition, facial matching, and document authenticity checks.

  • AI RPA

    An intelligent process automation module that recognizes, classifies, and processes unstructured data such as documents, emails, and application forms, in addition to structured tasks. It can be applied to a wide range of back-office operations, including loan and card application assessment support, compliance, suspicious transaction detection, and report automation. Automation accuracy can be further improved based on operational data and processing rules.

    Compared with conventional RPA: Goes beyond rule-based automation to support document recognition, data classification, and exception handling.

  • AI Smart ATM / Smart Kiosk

    By integrating identity verification, biometric authentication, video consultation, AI chatbot, and voice guidance capabilities, the solution enables customers to complete key financial services more conveniently, including account opening, card issuance, and consultation requests.

    This transforms the kiosk from a basic transaction device into an intelligent financial service touchpoint.

    Compared with conventional ATMs and kiosks: Goes beyond basic transaction processing to provide an advanced customer touchpoint supporting authentication, consultation, and guided assistance.

  • AI Smart Branch

    The solution combines digital signage, media tables, smart kiosks, and one-on-one video consultation with AI-based customer flow analysis, queue optimization, and personalized service recommendations to support data-driven branch operations and improve customer experience.

    Compared with conventional smart branches: Goes beyond basic branch digitalization by analyzing customer flow and queue conditions to optimize operations.

  • AI Integrated Monitoring

    This module centrally monitors the operational status of servers, cloud environments, networks, databases, and applications. AI-based anomaly detection, predictive alerts, and diagnostic support enable faster and more proactive incident response.

    Compared with conventional monitoring: Detects early warning signs and supports proactive response rather than identifying issues only after a failure occurs.

  • AI Operation Platform

    The AI Operation Platform integrates user interfaces, security, service integration, resource management, and digital finance service modules into a unified operating foundation. It supports consistent service delivery and centralized management across mobile, web, kiosk, and branch channels while enabling flexible integration with existing financial systems.

    Compared with conventional platforms: Connects channels, services, security, and operational management within a modular platform instead of operating them separately.

AI Differentiators

Key Differentiators of Our AI-Powered Modules

Through capabilities such as natural language understanding, OCR-based document recognition, facial recognition and biometric authentication, unstructured data processing, anomaly detection, personalized recommendations, and integrated operations management, our AI-powered modules analyze customer inquiries, authentication data, documents, and operational data to support faster and more accurate processing, as well as proactive operations management.

While conventional digital finance modules focus on executing predefined functions and procedures,
AI-powered modules stand out by enabling proactive and intelligent operations.

Expected Benefits

Supporting Digital Transformation and Operational Efficiency for Financial Institutions

  1. Improve Customer Service Efficiency

    AI automatically handles repetitive inquiries, helping reduce the workload of customer service teams.

  2. Enhance the Convenience of Remote Services

    AI-powered identity verification enables faster, more secure customer onboarding.

  3. Automate Repetitive Tasks

    Document recognition and workflow automation help reduce processing errors.

  4. Optimize Branch Operations

    Analysis of customer visit patterns and queue status helps improve branch operational efficiency.

  5. Strengthen Service Reliability

    Anomaly detection and proactive alerts help shorten incident response times.

Insurance AI Solution

AI-Powered Health Prediction & Personalized Guidance

With customer consent, the Insurance AI Solution helps insurers leverage health checkup data and personal health information to deliver more personalized, data-driven insurance services. This B2B AI-powered solution provides AI-based health analysis and prediction, personalized health guidance, and actionable insights that can support customer segmentation, risk assessment, and product recommendations.

Potential application models include health grade–based benefits, premium discount programs, premium recalculation, and personalized insurance package recommendations.

Health Data–Driven Insurance Service Flow

  1. Customer Consent
  2. Health Data Collection
  3. AI Health Analysis & Health Grading
  4. Personalized Health Guidance
  5. Personalized Insurance Recommendations
  6. Benefit / Premium Discount Application
  7. Continuous Health Management & Premium Recalculation

Value for Insurance Companies

The Insurance AI Solution delivers three core business values for insurers: stronger customer acquisition and conversion, more effective data utilization and risk management, and enhanced long-term profitability.

  • Customer Acquisition & Conversion

    AI-based health insights can support health grade–based benefits, premium discount models, and personalized product recommendations, helping insurers strengthen product competitiveness, attract new customers, and improve conversion across digital insurance channels.

  • Data Utilization & Risk Management

    With customer consent, health checkup data and personal health information can support customer segmentation, risk assessment, and more informed underwriting decisions, strengthening data-driven risk management.

  • Profitability Enhancement

    Continuous personalized health guidance can encourage healthier behavior and long-term engagement, potentially helping insurers manage claims risk, support better loss-ratio management, and strengthen long-term profitability.

OUR CLIENTS