# Realtime voice agent for banking onboarding

- Period: Dec 2024
- Domain: Enterprise bank, proof of concept (Banking and financial services, Conversational and voice AI)
- Role: Designed and built the agent
- Capabilities: Agent architecture and orchestration; Solution architecture and delivery
- Stack: LiveKit, OpenAI Realtime, Python
- URL: https://farhanbaluch.com/work/banking-voice-onboarding

A speech-to-speech agent that walks new customers through account opening, and hands off to a person when it isn't sure.

**AI angle.** Voice is where agents meet customers with no screen to fall back on. A realtime speech-to-speech agent with a confidence-based handoff keeps the customer moving without letting the model guess on a regulated process.

**What this shows:**
- I have built voice agents, not only tested them, which later shaped how I test a production voice assistant.
- I design handoff to a person as part of the agent, not an afterthought.

### Problem

Account opening is a long, form-heavy process, and customers drop off. A bank wanted to see whether a voice agent could guide them through it.

### What I built

- A realtime voice agent on LiveKit and OpenAI Realtime that walks a new customer through account opening.
- A handoff to a human whenever the agent isn't confident, so it never guesses on a regulated step.