BharatOne Digital Bank
Multilingual · WhatsApp-First · Zero Branch Visits
A multilingual, WhatsApp-first AI banking assistant powered by Agentforce, Data Cloud, Twilio and Document AI — delivering secure, intelligent, and branchless banking experiences in the language customers actually speak.
Banking that leaves 700M+ Indians behind
700M+ Indians are underserved by English-only, branch-first banking. Customers cannot check balances, dispute transactions, or understand their credit health without visiting a branch or decoding complex apps.
- ✕English-only interfaces exclude vernacular-first customers
- ✕Branch-first processes demand time, travel and paperwork
- ✕Complex apps hide balances, disputes and credit health
Banking reimagined as a WhatsApp conversation
BharatOne reimagines banking as a WhatsApp conversation in Hindi and Hinglish — with zero branch visits and zero paperwork. Powered by Agentforce, it enables secure, intelligent, branchless banking through conversational AI in the customer’s preferred language.
Secure, multilingual banking that scales trust
Lower cost to serve
Reduces branch dependency, operational costs, and customer effort by moving banking onto WhatsApp.
Instant, proactive access
Customers get instant access to banking services, financial insights, and proactive alerts in their preferred language.
Retention & reach
Powered by Agentforce, it helps banks improve retention, build trust, and scale personalized digital banking across underserved communities.
Powered by a native Salesforce AI stack
Three AI agents working behind every conversation
Beyond everyday banking, BharatOne quietly understands a customer’s entire financial life and acts on it.
Financial Fitness Scorer
A WhatsApp-first Agentforce solution that computes a personalised CIBIL-style Financial Fitness Score (0–100), powered by Data Cloud’s unified profile.
Crisis Calculator
A silent, real-time financial stress engine that reads across a customer’s entire household and scores their crisis severity.
Life Event Planner
Agentforce instantly detects the emergency, checks loan eligibility from FSC, and presents a personalised offer in seconds.
A multilingual banking assistant, end to end
Every journey is orchestrated through Agentforce flows — from secure authentication to proactive, life-event-driven assistance.
OTP Authentication Flow
Secure, conversational identity verification before any sensitive action.
The road ahead for BharatOne
Predictive Financial Coaching
The agent proactively alerts customers before EMI due dates and suggests the best prepayment timing using ML.
10+ Regional Languages
Expand beyond Hindi & Hinglish to Tamil, Telugu, Marathi and Bengali — covering 800M+ Indians.
Voice Banking
WhatsApp voice-note support — the customer speaks, and the agent understands and acts in real time.
From Hassle to Ease
All on WhatsApp. In your language. In seconds.
Team AgentblazeHERs · AWT Mumbai Hackathon 2026