ITR
Carrier
100%
1:40 PM
Alert: Your pending loan application is missing paperwork necessary to determine your loan eligibility.
Carrier
100%
1:40 PM
iMessage
Monument Bank
This information is needed three days in advance of your appointment. Would you like to see what information is still needed?
Y
You have not submitted pay stubs reflecting the last 30 of your salary income. Log in to submit these documents.
http://mon.bank/HZpfB7Bk
monbank.com
Carrier
100%
1:40 PM
monbank.com
Carrier
100%
1:40 PM
Income
Please tell us your income information so we can keep your personal profile up-to-date. This information also helps us give you relevant offers we think you might find valuable, like credit line increases.
Gross Income
Additional Income
Submit
When you tell us either your gross annual income or your additional income, you don't need to include alimony, child support or separate maintenance if you don't want us to rely on it.
You have not submitted pay stubs reflecting the last 30 of your salary income. Log in to submit these documents.
http://mon.bank/HZpfB7Bk
Carrier
100%
1:40 PM
iMessage
Monument Bank
Yes, I have questions about the employment verification form.
Is there anything else I can help you with?
Would you like us to connect you with a loan officer to help answer your question?
Yes
Great! A staff member will be calling you in the next 5 mins. Feel free to text us if you have any other questions in the meantime.
5 Minutes Later
Carrier
100%
1:45 PM
❮ BACK
❮ BACK
❮ BACK
❮ BACK
Automated Self-Service Script
Conversation with Live Staff
Notice how you didn’t need to type full answers to be properly understood, and answers were almost instant.
This is made possible through Natural Language Understanding (NLU), which can understand natural phrases in English and many more languages.
The interaction with Monument Bank over text is fast and convenient and the dialog is natural. One-way reminders turn into two-way conversations keeping the customer fully engaged on their terms. This is Aspect’s Interactive Text Response (ITR).
This concludes our demonstration. To restart the interaction please press the Home button on the phone.
Continue ➝
Tap the message alert.
Tap link embeded in message
You are a customer of Monument Bank and have recently submitted a mortgage application and have a follow-on appointment with a loan officer. In the meantime, you can see if your application is on track since, as a convenience to their patrons, Monument Bank offers an interactive service that notifies customers if loan applications are not completed properly. Customers have the option to see what information might be missing and then connect to a live loan officer if they have further questions -- all through SMS.
You opted in to this service and have it saved in your contacts.
Tap the message alert.