The digital transformation of banking is accelerating, with financial institutions increasingly leveraging artificial intelligence to automate complex processes and create more intuitive customer experiences. For entrepreneurs and business owners, this shift promises liberation from time-consuming administrative tasks, allowing them to focus on strategic growth. Freedom Bank is championing this movement in Central Asia by integrating sophisticated AI directly into its core services for its business clients.
Freedom Bank has integrated an AI voice assistant into its super app that executes 119 different financial commands via voice.
The assistant automates routine tasks for entrepreneurs, including tax payments, payroll, transfers, and compliance checks.
The bank provides free access to GPT-5 for all entrepreneurs in Kazakhstan, supporting broader business digitalization.
A key innovation is the "Freedom" investment currency, a cashback program that rewards clients with shares of Freedom Holding Corp. (FRHC) stock.
The bank leads in digital lending, offering Central Asia's first fully online digital mortgage and business loans processed in one day.
These initiatives are part of a broader strategy to enhance financial literacy and shift customers from consumption to investing.
At the core of Freedom Bank's new service offering is a voice-based AI assistant designed specifically for the super app. Entrepreneurs can now use simple voice commands to perform a wide array of financial operations, streamlining 119 different tasks that range from making tax payments and processing payroll to handling transfers and paying fines. This voice-first approach significantly reduces manual data entry and saves valuable time. Beyond the assistant, the bank's application of AI extends to compliance, where it rapidly analyzes transactions, detects hidden patterns, and prevents regulatory circumvention by cross-referencing multiple data sources in minutes.
Freedom Bank has introduced a novel investment mechanism through its "Freedom" currency, accrued as Exchange Traded Notes (ETN). This program effectively turns cashback into an investment vehicle, granting clients shares of Freedom Holding Corp. stock, which is listed on NASDAQ. This allows clients to benefit directly from the bank's parent company's stock performance, with over 3 million participants in the past year witnessing the value of FRHC shares rise significantly.
The bank has also established a leading position in digital lending. It launched Central Asia's first fully online digital mortgage, capturing 62% of the state mortgage program market within seven months. Furthermore, it has streamlined business and car loans, slashing processing times from a industry-standard 30 days down to a single day, a feat supported by Kazakhstan's advanced GovTech infrastructure.
By deeply integrating AI into both front-end customer interactions and back-end compliance processes, Freedom Bank is redefining the banking experience for entrepreneurs in Kazakhstan and the wider region. The combination of a powerful voice assistant, innovative investment-linked rewards, and radically efficient digital lending products demonstrates a comprehensive commitment to digital transformation. This multi-faceted strategy not only boosts operational efficiency for businesses but also actively promotes a cultural shift towards greater financial literacy and investment awareness among the population.
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