AI in fintech: a 7-layer architecture for a voice bot
When an LLM gives a bank customer the wrong account balance or offers an outdated product, it is not a neural network error but the failure of one of seven links in the system architecture. Svoi.ru examined a real case: outdated knowledge, wrong routing and slow API responses are often more dangerous than the weakest model. In fintech, the weak link always matters more than a strong neural network.
AI-processed from Habr AI; edited by Hamidun News
An AI voice assistant can make mistakes if the system architecture is wrong: when a bot tells a customer there is a million rubles in the account instead of a hundred, the failure lies not with the neural network but with the system as a whole.
Why isn't a neural network alone enough in fintech?
Because fintech requires a hybrid architecture of seven layers: speech recognition, language understanding, routing, data retrieval and a knowledge base. Each layer handles its own task, and an error in any of them leads to wrong answers for the customer.
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