Build AI Voice Agent for Banking KYC

Step-by-step guide to building an AI Voice Agent for banking KYC using VideoSDK.

Introduction to AI Voice Agents in Banking KYC

What is an AI

Voice Agent

?

An AI

Voice Agent

is a software application that uses artificial intelligence to interact with users through voice commands. These agents can understand natural language, process the information, and respond appropriately, making them highly effective for customer service and support tasks.

Why are they important for the Banking KYC Industry?

In the banking sector, Know Your Customer (KYC) processes are crucial for verifying the identity of clients to prevent fraud and comply with regulations. AI Voice Agents can streamline these processes by providing instant assistance, answering customer queries, and guiding them through document submissions, thereby enhancing efficiency and customer satisfaction.

Core Components of a

Voice Agent

  • Speech-to-Text (STT): Converts spoken language into text.
  • Text-to-Speech (TTS): Converts text back into spoken language.
  • Natural Language Processing (NLP): Understands and processes human language.
  • Voice

    Activity Detection

    (VAD)
    : Detects when a user is speaking.

What You'll Build in This Tutorial

In this tutorial, you will build an AI

Voice Agent

specifically designed to assist with banking KYC processes. Using the VideoSDK framework, you will create an agent capable of guiding users through KYC steps, answering related questions, and providing document submission instructions.

Architecture and Core Concepts

High-Level Architecture Overview

The architecture of our AI Voice Agent involves several key components working together to process audio input, understand it, and generate appropriate responses. For a comprehensive understanding of these components, refer to the

AI voice Agent core components overview

.
Diagram

Understanding Key Concepts in the VideoSDK Framework

  • Agent: The core class representing your bot, responsible for managing interactions.
  • CascadingPipeline: Defines the flow of audio processing, integrating STT, LLM, and TTS. Learn more about the

    Cascading pipeline in AI voice Agents

    .
  • VAD & TurnDetector: These components help the agent determine when to listen and when to speak. Explore the

    Turn detector for AI voice Agents

    for more details.

Setting Up the Development Environment

Prerequisites

Before you begin, ensure you have Python installed on your machine. You will also need a VideoSDK account to access API keys.

Step 1: Create a Virtual Environment

To keep your project dependencies organized, create a virtual environment:
1python -m venv venv
2source venv/bin/activate  # On Windows use `venv\Scripts\activate`
3

Step 2: Install Required Packages

Install the necessary Python packages using pip:
1pip install videosdk-agents videosdk-plugins-silero videosdk-plugins-turn-detector videosdk-plugins-deepgram videosdk-plugins-openai videosdk-plugins-elevenlabs
2

Step 3: Configure API Keys in a .env file

Create a .env file in your project directory and add your API keys:
1VIDEOSDK_API_KEY=your_videosdk_api_key
2

Building the AI Voice Agent: A Step-by-Step Guide

Step 4.1: Generating a VideoSDK Meeting ID

To start, you'll need a meeting ID. This can be generated via the VideoSDK API or dashboard.

Step 4.2: Creating the Custom Agent Class

Here is the complete code block for building your AI Voice Agent:
1import asyncio, os
2from videosdk.agents import Agent, AgentSession, CascadingPipeline, JobContext, RoomOptions, WorkerJob, ConversationFlow
3from videosdk.plugins.silero import SileroVAD
4from videosdk.plugins.turn_detector import TurnDetector, pre_download_model
5from videosdk.plugins.deepgram import DeepgramSTT
6from videosdk.plugins.openai import OpenAILLM
7from videosdk.plugins.elevenlabs import ElevenLabsTTS
8from typing import AsyncIterator
9
10pre_download_model()
11
12agent_instructions = "You are a knowledgeable and efficient AI Voice Agent specialized in assisting users with banking KYC (Know Your Customer) processes. Your primary role is to guide users through the KYC process, answer questions related to required documents, and provide information on how to securely submit their information. You can also provide general information about the importance of KYC in banking and how it helps in fraud prevention.\n\nCapabilities:\n1. Explain the steps involved in the KYC process for banking.\n2. List and describe the documents required for KYC verification.\n3. Provide instructions on how to securely upload or submit KYC documents.\n4. Answer frequently asked questions about banking KYC.\n5. Offer insights into the benefits of completing KYC for both the bank and the customer.\n\nConstraints and Limitations:\n1. You are not authorized to collect or store any personal data from users.\n2. You cannot provide legal advice or interpret banking regulations.\n3. Always remind users to verify information with their specific bank as procedures may vary.\n4. Include a disclaimer that users should contact their bank for any specific issues or concerns related to their KYC process."
13
14class MyVoiceAgent(Agent):
15    def __init__(self):
16        super().__init__(instructions=agent_instructions)
17    async def on_enter(self): await self.session.say("Hello! How can I help?")
18    async def on_exit(self): await self.session.say("Goodbye!")
19
20async def start_session(context: JobContext):
21    agent = MyVoiceAgent()
22    conversation_flow = ConversationFlow(agent)
23
24    pipeline = CascadingPipeline(
25        stt=DeepgramSTT(model="nova-2", language="en"),
26        llm=OpenAILLM(model="gpt-4o"),
27        tts=ElevenLabsTTS(model="eleven_flash_v2_5"),
28        vad=SileroVAD(threshold=0.35),
29        turn_detector=TurnDetector(threshold=0.8)
30    )
31
32    session = AgentSession(
33        agent=agent,
34        pipeline=pipeline,
35        conversation_flow=conversation_flow
36    )
37
38    try:
39        await context.connect()
40        await session.start()
41        await asyncio.Event().wait()
42    finally:
43        await session.close()
44        await context.shutdown()
45
46def make_context() -> JobContext:
47    room_options = RoomOptions(
48    #  room_id="YOUR_MEETING_ID",  # Set to join a pre-created room; omit to auto-create
49        name="VideoSDK Cascaded Agent",
50        playground=True
51    )
52
53    return JobContext(room_options=room_options)
54
55if __name__ == "__main__":
56    job = WorkerJob(entrypoint=start_session, jobctx=make_context)
57    job.start()
58

Step 4.3: Defining the Core Pipeline

The CascadingPipeline is crucial for managing how the agent processes audio. It integrates components like STT, LLM, and TTS to ensure smooth interaction.
1pipeline = CascadingPipeline(
2    stt=DeepgramSTT(model="nova-2", language="en"),
3    llm=OpenAILLM(model="gpt-4o"),
4    tts=ElevenLabsTTS(model="eleven_flash_v2_5"),
5    vad=SileroVAD(threshold=0.35),
6    turn_detector=TurnDetector(threshold=0.8)
7)
8

Step 4.4: Managing the Session and Startup Logic

The agent's session is managed by

AI voice Agent Sessions

, which handles the lifecycle of interactions.
1session = AgentSession(
2    agent=agent,
3    pipeline=pipeline,
4    conversation_flow=conversation_flow
5)
6
7try:
8    await context.connect()
9    await session.start()
10    await asyncio.Event().wait()
11finally:
12    await session.close()
13    await context.shutdown()
14

Running and Testing the Agent

Step 5.1: Running the Python Script

To run your agent, execute the following command in your terminal:
1python main.py
2

Step 5.2: Interacting with the Agent in the Playground

After running the script, you will receive a playground URL in the console. Use this link to test your agent's functionality and interact with it in real-time.

Advanced Features and Customizations

Extending Functionality with Custom Tools

You can enhance your agent by integrating additional tools and plugins available in the VideoSDK framework.

Exploring Other Plugins

Explore other plugins to expand your agent's capabilities, such as different STT or TTS engines for specific needs.

Troubleshooting Common Issues

API Key and Authentication Errors

Ensure your API keys are correctly set in the .env file and that you have the necessary permissions.

Audio Input/Output Problems

Check your microphone and speaker settings to ensure proper audio input and output.

Dependency and Version Conflicts

Use a virtual environment to manage dependencies and avoid version conflicts.

Conclusion

Summary of What You've Built

You've successfully built an AI Voice Agent for banking KYC processes using the VideoSDK framework, capable of guiding users through KYC steps and answering related queries.

Next Steps and Further Learning

Consider exploring additional features and plugins to further enhance your agent's capabilities and adapt it to other use cases.

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