An AI-powered Telegram bot for a digital bank handling card management, fraud alerts, transaction disputes, account security, and live agent escalation — with inline keyboard actions for instant card blocking, identity verification, and real-time transaction alerts. 92% automated resolution rate.

The Challenge
A digital-only bank with 1.5M customers needed a Telegram-native support channel. Their customer base was tech-savvy and preferred Telegram over traditional channels, but the bank only offered email and phone support with 24-hour response times.
Project Timeline
Telegram Bot API integration, session-based encryption, identity verification flow design, and core banking API adapter for real-time account data access.
Instant card block/unblock with inline buttons, PIN reset workflow, spending limit controls, card replacement ordering, and multi-account switching for joint account holders.
Real-time transaction alerts with "Approve/Block" inline actions, suspicious activity AI detection, automated card freeze, and fraud case escalation with evidence compilation.
Zendesk ticketing integration, intelligent routing to specialized teams (fraud, loans, cards), conversation transcript handoff, and rollout to 150K+ digital bank customers.
Our Solution
Inline keyboard buttons for instant card block, unblock, and freeze. Customer taps one button → OTP verification → card status changed in under 5 seconds. No phone call needed, available 24/7.
Every transaction triggers a Telegram notification with amount, merchant, and location. Inline buttons: "✅ This was me" or "🚨 Block card". One-tap fraud reporting that instantly freezes the card and opens a dispute case.
Natural language queries: "What's my balance?", "Show last 5 transactions", "When is my loan payment due?". AI pulls real-time data from core banking and responds in formatted messages with account details.
Multi-factor verification via Telegram: OTP to registered phone, security questions, and optional biometric selfie verification. Session-based authentication persists for 15 minutes to avoid re-verification during active support sessions.
AI detects when human help is needed: complex disputes, regulatory questions, VIP customers. Creates Zendesk ticket with full transcript, routes to specialized team, and notifies customer of agent assignment with estimated wait time.
AI monitors transaction patterns and proactively alerts on unusual activity: large purchases, foreign transactions, rapid successive charges. Customer can approve or block via inline buttons before any damage occurs.
Results
Client Feedback
“Our customers can block a stolen card in 5 seconds via Telegram instead of waiting 20 minutes on hold. The real-time transaction alerts have prevented $2M+ in fraud. Support tickets dropped 60% because the bot resolves 92% of issues automatically.”
D. Volkov
CPO, NeoBank Digital
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