Your customers don't all speak Arabic. Cozmo speaks all of them.
GCC banks serve six languages on every floor. One Cozmo agent handles all of them, with the dialect awareness your customers expect.
Your customer base speaks six languages. Your IVR speaks two.
GCC bank customer bases are not monolingual. Expat workers outnumber locals in several markets. Your call centre needs to handle Arabic alongside Hindi, Urdu, Tagalog and Bengali on any given day.
Most banks solve this by routing to language-specific agents. Long queues. High handle times. Churn on the Filipino and Bangladeshi segments because they wait longest.
One Cozmo agent handles all six languages. The same conversation, in whichever language opens it.
What multilingual banking AI actually means.
Arabic the way your customers actually speak it.
All Arabic dialects supported. Production deployments in Emirati, Egyptian, Khaleeji and Modern Standard Arabic.
Follows when customers switch mid-sentence.
Same call. Same agent. No language picker, no restart. Arabic to English and back, sentence by sentence.
Murabaha, Tawarruq, Mada. In the right register.
Trained on the products your customers actually call about, not generic banking English.
Emirates ID and Iqama read on the call.
Digit-by-digit voice capture. Arabic document OCR. Verification against your core banking system.
The calls a GCC bank actually takes every day.
Account opening and KYC
Emirates ID, Saudi National ID, Iqama, passport. Voice-verified. Onboarding closed in core.
SAMA + CBUAECard servicing
Activate, freeze, raise limits, dispute. Voice OTP confirmation. WhatsApp follow-up.
24/7 coverageIslamic finance servicing
Murabaha, Tawarruq, Ijara. Payment schedules, early settlement, deferment.
AR registerCollections
Dialect-aware outbound for overdue accounts. Empathy register calibrated by segment.
78% cheaperFraud verification
Outbound voice on high-risk transactions. Card frozen on the call if needed.
<30s to verifyBranch and RM booking
Voice booking for branch visits and relationship manager appointments. Calendar handoff.
Live calendar syncRemittance and transfers
SWIFT, IPSI, SARIE corridor queries. Status checks on pending transfers.
Multi-rail visibilityWealth servicing
Statement walk-throughs, RM scheduling, tier-1 portfolio queries. Escalation to RM for advice.
HNW registerBuilt for the central banks your compliance team reports to.
Cloud-deployment guidelines, data residency, customer protection, outsourcing controls.
Consumer protection regulation, outsourcing guidelines, data sovereignty. DIFC and ADGM frameworks for financial-centre entities.
Banking law, cybersecurity framework, customer due diligence.
Rulebook Volume 1, conduct of business, electronic communications. Bahrain operates a single regulator for banking, insurance and capital markets.
Qatar Central Bank for domestic banking. QFCRA oversight for Qatar Financial Centre entities.
Banking laws, outsourcing regulations, customer protection.
Questions banks ask before deploying.
Which languages and Arabic dialects are in production?
Arabic, English, Hindi, Urdu, Tagalog and Bengali are in production. All Arabic dialects are supported with native deployments in Emirati, Egyptian, Khaleeji and Modern Standard Arabic. Dialect is detected from speech, no language picker required.
How does Cozmo handle code-switching mid-call?
Natively. Most GCC customers switch between Arabic and English in the same sentence. Cozmo follows the language each sentence uses without restarting the conversation or losing context.
Is Cozmo SAMA-compliant?
Cozmo is aligned with SAMA's cloud deployment guidelines, customer protection rules and outsourcing framework. Data residency in approved regions. Call recording with full audit trails. Compliance documentation available for procurement and risk teams.
Can it integrate with our core banking system?
Cozmo connects to Temenos, Finacle, Flexcube, Oracle and custom core systems through REST APIs and standard banking middleware. Customer lookup, account servicing and transaction posting happen on the call.
How long does deployment take?
Three weeks from pilot to production. Dialect profile, workflow logic, core integration and compliance review configured during the pilot.
What about Islamic finance products?
Murabaha, Tawarruq, Ijara and Wakala are handled natively in Arabic. Payment schedules, early settlement, deferment and sharia-compliant explanations are part of the production vocabulary.
Six languages. One agent.
We'll show you Cozmo handling a real banking workflow in the languages your customers actually call in. Not a generic demo. Yours.