All-In-One Banking Chatbot

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Xin Lai
January 20, 2020

In our 2019 product roadmap, we mentioned that we will help our customers with end-user customer support while using our financial servicing product. So we’re excited to announce Chatbot — a powerful platform that is able to take over support for platforms/developers/customers. Not only does Chatbot have the ability to service end-users via a traditional chatbot environment, but it also can provide specific automated flows, such as account aggregation, to make updates to their accounts.

Our white-labeled Chatbot solution provides a superior user experience while requiring very little setup or maintenance. When using Chatbot, platforms do not have to build most of the logic required to make use of our APIs. At the user level, Chatbot creates a seamless user experience that considers as many as possible scenarios and allows the user to provide all inputs and take all steps inside the chat.

The first version of our chatbot is Chatbot Bank Logins(Account Aggregation)— which helps users connect their bank account to allow transactions and to provide account data through a chat interface.

Chatbot Bank Logins(Account Aggregation)

Chatbot Bank Logins(Account Aggregation) Overview

Below is how the main flow works:

1. Start off by searching for the desired bank that has the account you wish to link.

Search the bank you wish to link

2. Next, input your username and password to get authorization. Our Chatbot is secure and will encrypt your credentials.

Input your username and password to get authorization

3. Then, if your bank requires an MFA(Multi-Factor Authentication) code, answer the security question.

Input your MFA(Multi-Factor Authentication) code/answer

4. Finally, choose which account(s) you wish to link. That’s it, you’re all good to go!

Chatbot manages your bank accounts (can link/unlink accounts)

To learn more about Chatbot, read up on its flow and logic.


Some exciting features:

  • Branding Customization — including the company’s logo, colors, style of buttons, and more.

The platform can customize Chatbot’s layout, colors, fonts, etc.

  • 2-legged OAuth — modern banks are starting to tighten up on security and some don't support cross-origin authorization. For our partner banks that have this restriction, we’ve been given special access to redirect users to the bank’s website and complete the account aggregation process by using a more advanced and secure 2-legged OAuth way.

The user can link their account(s) via 2-legged OAuth


Coming soon are more products which will be built on the top of Chatbot, these include:

  • Servicing (2020 Q1) — service end-users via a traditional Chatbot environment.
  • Bill Pay (2020 Q1) — automate the bill pay process via Chatbot.
  • KYC (2020 Q2) — onboard users via Chatbot.


We are excited about the launch of Chatbot. For an in-depth look at Chatbot Bank Logins(Account Aggregation), check out our API docs or view our demo.

If you are not a current customer and are interested in learning more, please contact

Xin Lai

UI Engineer @ Synapse

©Synapse Financial Technologies Inc. 2020