Digital Wallet

Customer wants to add their cards to digital wallet for the first time.

"AI guides setup: "I'd be happy to help you set up your digital wallet! Let's get your cards added so you can start paying with your phone. First, let me add your debit card ending in 4521. I'm sending a verification to your phone now - you should see a 6-digit code. Perfect! Your debit card is now active in Apple Pay, Google Pay, and Samsung Pay. For your credit card ending in 7890, the verification will come via the banking app - just approve the notification. Done! Now here's a quick tip: I've set your debit card as default, but you might want to use your credit card for everyday purchases to earn rewards. Would you like me to set up smart rules - like using credit for purchases over $25 and debit for smaller ones? I can also enable express transit so you can tap through subway turnstiles without unlocking your phone.""

Customer's contactless payment was declined at a store.

"AI troubleshoots: "I'm sorry your payment didn't go through. Let me figure out what happened. I can see the declined attempt at Target for $87.43 at 2:15 PM. The issue was that your card in the digital wallet needed re-verification - this happens occasionally for security. I've just refreshed the connection, and your wallet is ready to use again. The good news: I can see your card balance is fine and there were no security concerns. For next time, here are two backup options: 1) You can still use the physical card - the issue was only with the digital version. 2) I've added your backup card (Visa ending in 3456) to your wallet as a secondary payment method. If you want, I can set up automatic failover so if one card doesn't work, your wallet automatically tries the backup. Would that be helpful?""

Customer wants to send money to a friend for dinner.

"AI facilitates transfer: "I can help you send $47.50 to Sarah for dinner. I see Sarah is in your contacts and she's already set up to receive payments through her phone number. Let me confirm: Send $47.50 to Sarah Johnson (***-***-7823) from your checking account? The money will be available to her instantly since she has the same bank. Perfect, I've sent the payment with the note 'Dinner at Giovanni's - thanks!' Sarah will get a notification right now. For future reference, you can also split bills automatically - if you're at a restaurant together, just tell me to split the check and I'll send everyone their portion. You can also set up recurring payments if you regularly split rent or subscriptions with friends. Would you like me to show you those features?""