KB Kookmin Card: "24/7 Abnormal Transaction Detection with AI...Guidance for High-Risk Voice Phishing Customers"

AI Callbot Introduced
24/7 Monitoring with Abnormal Transaction Detection System

KB Kookmin Card announced on November 27 that it is operating an AI callbot system integrated with its abnormal financial transaction detection system (FDS) to prevent financial fraud such as voice phishing.

KB Kookmin Card Headquarters, Jongno-gu, Seoul. KB Kookmin Card

Last year, the company established an AI-based FDS, and this year, it further enhanced the FDS by introducing an AI callbot.

AI has been applied throughout the entire process, from detecting suspicious transactions that may involve phishing or other financial fraud to verifying customers.

Since September, KB Kookmin Card has operated a system in which the FDS AI callbot monitors both domestic and overseas card-present transactions for abnormalities around the clock as part of its initial rollout.

The AI system also handles inbound responses for customers who do not answer monitoring calls, automating basic verification tasks that no longer require direct intervention from monitoring staff.

This month, KB Kookmin Card officially launched the AI callbot. The system now targets high-risk groups for voice phishing, such as long-term card loan customers, and provides them with information about recent fraud cases through the AI callbot.

To enable rapid follow-up in the event of an incident, new features have been added to automatically connect customers to lost card reporting, reissuance, and accident compensation services, thereby expanding the scope of response.

The introduction of the AI callbot is intended not only to replace some of the monitoring staff's work, but also to expand the scope of incident prevention by clearly separating the roles of humans and AI callbots.

The AI callbot can extensively monitor large volumes of routine transactions, allowing it to quickly detect risk signals across a broader range.

Monitoring staff focus on addressing emotional factors typical of victims of new types of financial fraud, such as voice phishing, including anxiety, concealment, and gaslighting, through direct conversation.

They also concentrate on thoroughly verifying complex or high-risk transactions that require contextual judgment, in order to minimize customer damage.

A KB Kookmin Card official stated, "In financial accidents, prevention is far more important than post-incident recovery. We will continue to invest in technologies to combat financial fraud by refining our models, improving data learning to increase detection accuracy, and expanding the use of AI callbots."

This content was produced with the assistance of AI translation services.