The Outlook for AI Products in the Coming Year

In the recent year, we have introduced a range of new products and services by focusing on innovation and leveraging advanced AI technologies.

Smart and Secure Infrastructure

1. Private Cloud Infrastructure:
   • Implementing and deploying an internal cloud platform for hosting and data analysis, with a focus on security, scalability, and agility.
   • Minimizing operational costs through intelligent resource allocation and leveraging virtualization technologies.
2. Local Data Center:
   • Establishing a well-equipped and secure data center for storing and processing banking data domestically, in compliance with regulatory requirements and international standards.
   • Supporting critical AI services, including heavy computations and real-time operations.
3. Advanced Management of AI Hardware (GPU/TPU):
   • Implementing specialized solutions to maximize the processing power of GPUs and TPUs.
   • Providing suitable platforms for running deep learning algorithms and fast data processing in future services.

AI Services

1. Biometric Authentication System:

• Offering services such as facial recognition, voice recognition, and fingerprint identification for enhanced security and reduced fraud in banking transactions.
• Ease of use for customers and identification in the shortest possible time.

2. Speech-to-Text Processing (ASR):

• Establishing a platform for converting speech to text and analyzing them more accurately with a real-time approach.

3. Sentiment Analysis System:

• Developing a system to identify and analyze customer sentiments and attitudes through textual and audio data.
• Optimizing service processes based on better understanding and recognition of users.

4. Financial Prediction Models:

• Developing machine learning algorithms for credit risk analysis, forecasting demand for financial services, and providing investment recommendations.
• Enhancing credit scoring systems and data-driven bank risk management.

5. 360-Degree Smart Credit Scoring:

• Collecting all customer identity, transaction, and behavioral data on a unified platform.
• Assisting in precise decision-making for loan granting and reducing losses from fraud or defaults.

Interactive, Analytical, and Multipurpose Systems

1. Smart Customer Relationship Management (CRM):

• Integrating customer data to create comprehensive and accurate profiles.
• Offering personalized services based on analyzing user habits and needs.

2. Smart Voice Assistant:

• Implementing interactive systems based on voice commands.
• Enhancing customer accessibility and convenience by eliminating the need for complex menus or multiple pages.

3. Business Intelligence (BI) Analytical Dashboards:

• Creating real-time analytical panels and reports for senior and mid-level managers, emphasizing the transparency of key performance indicators (KPIs).
• Facilitating quick and intelligent decision-making based on updated and aggregated data from all bank units.

4. Smart Report Generating Assistant:

• A tool for automatically creating management reports based on NLP algorithms and analytical models.
• Reducing time and human error in preparing complex or time-consuming reports.

5. Project Similarity Finder:

• A system for searching and analyzing internal bank projects or technology partners' projects to identify common patterns and leverage successful experiences.
• Increasing synergy between different organizational departments and preventing redundancy.

6. Interactive Multipurpose Development System (Rags+):

• An advanced platform that, through AI, enables the creation and customization of various applications.
• Key Feature: Quick setup of reservation systems (like doctor or salon bookings) through user interaction on WhatsApp, Telegram, and other communication platforms.
• Wide Range of Usability: Supporting add-ons for developing store systems, currency platforms, and any custom service on an integrated AI platform.
• Core Advantage: User interaction with the system in minimal time and with a high degree of personalization, without needing deep technical knowledge.
• As a leading platform, Rags+ will play a crucial role not only in reservation domains but also in a wide range of retail, currency services, and custom applications, contributing significantly to the development of future products. We believe that the targeted development of these services, alongside continuous investment in research and development, will ensure long-term success and constructive participation in the country's financial and digital future.

Smart Security and Analytical Services

1. Fraud Detection Algorithms:

• Machine learning-based monitoring systems to identify unusual patterns in transactions and prevent financial fraud.
• Utilizing big data and real-time analysis algorithms to ensure transaction security.

2. Bank Intelligence:

• A comprehensive platform for analyzing big data and providing strategic insights to banking decision-makers.
• Identifying growth opportunities and potential risks based on advanced analytical models.

3. Customer Financial Assistant:

• Providing advisory tools for asset management, budgeting, and planning for both small and large investments.
• Combining AI-based forecasts with practical advice to improve customers' financial health.