Bank.CHAT - A Bot for Financial literacy

A simple copilot demo

📝 Instructions

🧠 Language Model

ChatGPT (openai)

📄 Knowledge

Add documents or links to give your copilot a knowledge base. When asked a question, we'll search them to generate an answer with citations.

Submit Links in Bulk

Capabilities

🗣️ Text to Speech & Lipsync

Text-to-Speech Provider

Google Text-to-Speech

Voice name (Google TTS)

hi-IN-Wavenet-A (Female)

Please refer to the list of voice names here

🫦 Add Lipsync Video

🔠 Translation & Speech Recognition

🩻 Photo & Document Intelligence

⚙️ Settings

🗣️ Google Text-to-Speech Settings

Speaking rate

1.0 is the normal native speed of the speaker

Pitch

Increase/Decrease semitones from the original pitch

📄 Knowledge Base

👩‍🏫 Search Instructions

How should the LLM interpret the results from your knowledge base?

Citation Style

Plain Text / WhatsApp Numbers + Footnotes

🔗 Shorten Citation URLs

Create Synthetic Data

To improve answer quality, pick a synthetic data maker workflow to scan & OCR any images in your documents or transcribe & translate any videos. It also can synthesize a helpful FAQ. Adds ~2 minutes of one-time processing per file.

———

Advanced Settings

In general, you should not need to adjust these.

👁‍🗨 Conversation Summarization

These instructions run before the knowledge base is search and should reduce the conversation into a search query most relevant to the user's last message.

⌥ Variables

🔑 Keyword Extraction

Instructions to create a query for keyword/hybrid BM25 search. Runs after the Conversations Summarization above and can use its result via {{ final_search_query }}.

Embeddings Model

Text Embedding 3 Large (OpenAI)

Dense Embeddings Weightage

Weightage for dense vs sparse embeddings. 0 for sparse, 1 for dense, 0.5 for equal weight.
Generally speaking, dense embeddings excel at understanding the context of the query, whereas sparse vectors excel at keyword matches.

Max Citations

The maximum number of document search citations.

Max Snippet Words

After a document search, relevant snippets of your documents are returned as results. This setting adjusts the maximum number of words in each snippet. A high snippet size allows the LLM to access more information from your document results, at the cost of being verbose and potentially exhausting input tokens (which can cause a failure of the copilot to respond). Default: 300

Overlapping Snippet Lines

Your knowledge base documents are split into overlapping snippets. This settings adjusts how much those snippets overlap. In general you shouldn't need to adjust this. Default: 5

🔠 Language Model Settings

Avoid Repetition

Answer Outputs

How many answers should the copilot generate? Additional answer outputs increase the cost of each run.

Max Output Tokens

The maximum number of tokens to generate in the completion. Increase to generate longer responses.

Creativity (aka Sampling Temperature)

Higher values allow the LLM to take more risks. Try values larger than 1 for more creative applications or 0 to ensure that LLM gives the same answer when given the same user input.

🛠️ Tools

Give your copilot superpowers by giving it access to tools. Powered by Function calling.

Save JSON as PDF

Run cost = 4 credits

Breakdown: 1 (ChatGPT (openai)) + 3/run

By submitting, you agree to Gooey.AI's terms & privacy policy.

Show Raw Output

Assistant

BC stands for Business Correspondent, who are local individuals appointed by banks to work as agents and provide banking services in villages or nearby areas. They use Information and Communication Technology (ICT) based devices to carry out banking transactions, making banking services available at the doorstep of customers who may not have easy access to a bank branch [1] . They provide services such as saving deposit accounts, fixed deposits, recurring deposits, remittance of funds, and credit for income-generating activities through Kisan Credit Cards for farming activities and General Credit Cards for non-farm based activities [1] .

financial literacy guide.pdf, page 25 https://gooey.ai/2/p5ov

User
what's BC?

Assistant
According to the financial literacy guide, there are a few ways to save money. One way is to reduce expenses on non-essential items by spending judiciously. For example, if you're drinking 4 cups of tea every day, you could consider reducing it to 2 cups and save the money you would have spent on the extra cups. Another way to save is by depositing your savings in a bank account, as it is safer and your money can grow through interest. It's important to save regularly so that you have enough money for emergencies, unexpected events, lean periods, old age, and for purchasing things you cannot afford from regular income. By maintaining a financial diary, you can track your expenses and identify areas where you can cut back spending and increase savings. Remember, the longer you save, the more your savings will grow.

User
What saving advice would you have for me?

Assistant
Hello! How can I assist you today?

User
Hello

Assistant
Welcome to Farmer.CHAT. I'm an AI 🤖 designed to help farmers and extension agents. Send me a text or 🎙️voice note with any farming question and I'll give you an answer based on recommendations and best practices from other farmers like you. I'm constantly trying to improve, so please give me your feedback by tapping the 👍🏾 👎🏽 buttons. Now, what would you like to know? 🌱

User
Hi

💁‍♀️ Sources

1. financial literacy guide.pdf, page 25

who work as agents of the banks. They are local persons who have roots
and economic interest in the area. They will provide us all the banking
services in our village/ nearby villages. At the time of appointment of
BC, the bank officials would introduce the BC to the villagers. We can
also get the information about BC from Gram Panchayat.
What is BC? How does a BC function?
Banks have been allowed to appoint local individual persons and others
as BC to work as agents of the banks. The BC uses Information and
Communication Technology (ICT) based devices such as handheld
machines, smartcard based devices, mobile phones, etc. to carry out the
banking transactions.
Bank is now available at your door step.
Whether our money is safe if we deposit with BC?
BC is a mode of providing banking
service at our doorstep as bank branch
is far off from our area. Depositing our
money with BC is as good as depositing
with a bank branch. The transactions
are done through the ICT based devices
and accounted in the books of the
banks. The customers get immediate
verification of their transactions as cash
deposited/withdrawn by customers
through the BC is acknowledged by
issue of a receipt on behalf of the bank.
Additionally, transactions through BCs
are done on the basis of our biometrics or a PIN number and thus no one
else can do the transactions in our account.
15

What are the services provided through BCs?
BCs will provide the facility of saving deposit accounts with inbuilt
overdraft, fixed deposit and recurring deposits. They will also allow
remittance of funds from our accounts and receipt of funds into our
account. Besides, they will provide credit for income generating
activities through Kisan Credit Cards for farming activities and General
Credit Card for non farm based activities.
What is OVERDRAFT, how is it different from other loans?
Small Overdraft is inbuilt in the saving bank account to take care of the
our emergent miscellaneous needs. We can withdraw the amount upto
the limit of overdraft without going through separate documentation
for availing small amount. Thus, it facilitates timely availability of
money in cases of emergencies. We are required to pay the interest on
the amount of overdraft as it is a loan given by the bank. Other loans
like KCC and GCC are provided by the banks for a specific purpose of
income generating activities.


2. financial literacy guide.pdf, page 10

At the end of the enrollment, advise them regarding the approximate time within
which the account would be opened and that they would get the cards for operating the
account. Advise them that they should start using the accounts for day to day needs
immediately after getting the cards.


After 15 days of the second session, branch officials should visit the village to ensure
delivery of cards to the villagers. They will also make sure that the BC has started
operations and villagers are able to make transactions.

Third Session ( 2 months after holding of second session)


Hold a meeting of villagers who had enrolled for account opening during the
previous session. Interact with the villagers and the BC.



Ask them about any difficulty faced in the operation of the accounts or in using the ICT
based system and seek suggestions for improvement of the same.



Review the usage of accounts to find out whether there are any issues impeding the
usage of accounts.

Subsequently, follow up the transaction levels through a regular reporting system.



v
vii

MANAGE YOUR FINANCE
What is income ?
Money earned from various sources INCOME
(Source of Money)
like salary, wages, earnings from Salary or wages
Earnings from Farming/
farming or business etc. is our Business
TOTAL
income.

Amount (`)
2000
3000
5000

What is expenditure ?
EXPENSES
Amount (`)
(Uses of money)
Food, shelter, Clothes
2000
Education
1000
Repayment loan
700
Sickness
300
Drink, drugs, Gutka
500
Gambling
400
Excessive expenses on
1100
Marriage, Festivals, Pilgrimage etc
Total
6000

Money spent by us on various
items is our expenditure. It includes
spending money on essential as
well as non essential items. Let us
understand our expenses.

E
OM
M
CO INC

IN
LIQUOR
GAMBLING

ALCOHOL

R
RATO

IGE

REFR

LUXURIOUS GOODS

NON-ESSENTIAL

GUTKA

TOB

ACCO

TOBACCO

ESSENTIAL

MARRIAGE

PILGRIMAGE

NATURAL
CALAMITIES

SICKNESS

EDUCATION

CLOTHES
FOOD

HOUSE

What is investment?
Deployment of money, say out of savings, with the expectation of
earning higher returns overtime is investment. e.g. purchase of land,
fixed deposit in banks etc.
1

3. financial literacy guide.pdf, page 21

What is EBT ?
EBT means Electronic Benefit Transfer for credit of social security
benefits like MGNREGA wages, old age pension, widow pension, cash
transfers in lieu of LPG subsidy, etc. The amount due to us gets credited
to our bank account timely and efficiently without involvement of
intermediaries. Thus it avoids the delays and leakages involved in the
existing manual system. We can withdraw the money from our bank
account as and when we want. We can also avail of other facilities from
the bank.
What is remittance?
We can send money to other people staying at distant places throughout
the country through the bank. Banks transfer our money from one place
to another and from person to person safely, speedily and efficiently. So,
if we have a bank account, we can easily transfer money to our child’s
account if he is studying in another city. We can also receive money in
our bank account from our relatives working at distant places.
What is interest?
Interest is the amount our money earns when we save our money or it
is the amount we have to pay when we borrow money in addition to the
borrowed amount. The money which we keep with banks is not kept
idle. The banks lend this money to other people. Those who borrow
money from banks pay some interest.
Say, we deposit ` 1000 with a bank. The bank lends that amount to
another person. He pays, say ` 100 as a charge to the bank at the end
of 1 year. The bank gives us a share of it, say ` 40. This extra income
which we get from keeping ` 1000 for 1 year with the bank is known
as interest.

Generated in 8.1s on

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ℹ️ Details

Have you ever wanted to create a bot that you could talk to about anything? Ever wanted to create your own https://dara.network/RadBots or https://Farmer.CHAT? This is how.

This workflow takes a dialog LLM prompt describing your character, a collection of docs & links and optional an video clip of your bot’s face and voice settings.

We use all these to build a bot that anyone can speak to about anything and you can host directly in your own site or app, or simply connect to your Facebook, WhatsApp or Instagram page.

How It Works:

Appends the user's question to the bottom of your dialog script.
Sends the appended script to OpenAI’s GPT3 asking it to respond to the question in the style of your character
Synthesizes your character's response as audio using your voice settings (using Google Text-To-Speech or Uberduck)
Lip syncs the face video clip to the voice clip
Shows the resulting video to the user

PS. This is the workflow that we used to create RadBots - a collection of Turing-test videobots, authored by leading international writers, singers and playwrights - and really inspired us to create Gooey.AI so that every person and organization could create their own fantastic characters, in any personality of their choosing. It's also the workflow that powers https://Farmer.CHAT and was demo'd at the UN General Assembly in April 2023 as a multi-lingual WhatsApp bot for Indian, Ethiopian and Kenyan farmers.

👣 Steps

Final Search Query

References

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Final Prompt

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Raw Text Response 1

Final Response 1

Generated Audio 1

How to Use This Recipe

🙋🏽‍♀️ Need more help? Join our Discord

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Bank.CHAT - A Bot for Financial literacy

📝 Instructions

🧠 Language Model

📄 Knowledge

Capabilities

🗣️ Text to Speech & Lipsync

Text-to-Speech Provider

Voice name (Google TTS)

🫦 Add Lipsync Video

🔠 Translation & Speech Recognition

🩻 Photo & Document Intelligence

🗣️ Google Text-to-Speech Settings

Speaking rate

Pitch

📄 Knowledge Base

👩‍🏫 Search Instructions

Citation Style

Create Synthetic Data

Advanced Settings

👁‍🗨 Conversation Summarization

⌥ Variables

🔑 Keyword Extraction

Embeddings Model

Dense Embeddings Weightage

Max Citations

Max Snippet Words

Overlapping Snippet Lines

🔠 Language Model Settings

Answer Outputs

Max Output Tokens

Creativity (aka Sampling Temperature)

🛠️ Tools

👣 Steps

How to Use This Recipe

Related Workflows

Lip Sync with TTS

Search any document with GPT4

AI Animation Generator

Compare AI Image Generators

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