Banking, without the friction.

A live voice-agent prototype exploring how private AI, operational guardrails, tool use, memory, analytics, and human escalation can work together in a modern banking experience.

Independent prototype by Douglas McDermott. This is not connected to any real bank or credit union. All member and account information is synthetic.

Your IP address, portal activity, session activity, and technical metadata are logged locally for security and demo analytics. Do not provide real financial credentials or sensitive personal information.

CONVERSATIONReady to start

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Call inactive
Start the call and speak naturally.

VOICE ANALYSISLocal / Private

Waiting for speech

Model-estimated tone—Audio event—Speech / pace—Pitch variation—Loudness—Mean pause—

AGENT OPERATIONSObservable

ConnectionOfflineMicrophoneOffActive speaker—Intent / risk—Tool / action—Policy—Disposition—QA—Escalation—Human approval—STT / LLM / TTS—Total latency—Voice analysisIdleTurn count0Conversation events0Session—

IMPLEMENTATION PROFILESynthetic Demo Policy

Member status—Missed payment—Hardship—Standard arrangement—Approval range—Outside authority—Confirmation—Tone guidance—

OPERATIONS SUMMARYCompleted Sessions

0Total

0%Resolution rate

0%Escalation rate

0%QA pass rate

0 msAvg response

RECENT SESSIONS

No completed session data available.

Local AI

Qwen 14B, MLX Whisper Large V3 Turbo, Silero and Kokoro run in the private local inference environment.

Operational by design

Meaningful turns, tools, escalation, failures and responses are auditable through n8n.

Safe tool use

Prompt-injection defense, synthetic data, human escalation and audit controls protect the demo boundary.