Card Activation & First Transaction AI Agent

What it does

• If a customer does not activate a newly issued credit card within a predefined period after receiving it, the AI Agent proactively contacts the customer via WhatsApp, helps activate the card, and guides them through completing their first transaction.

How it works

1. If the card remains inactive for a predefined period after delivery, the AI Agent contacts the customer via WhatsApp using their registered phone number.
2. Outbound WhatsApp communication is initiated using approved Meta message templates.
3. The AI Agent confirms that the card has been received and asks whether the customer is ready to activate it.
4. The customer receives step-by-step guidance on card activation, PIN setup, mobile application onboarding, and how and where to use the card.
5. During the conversation, the AI Agent answers questions about transaction limits, cashback, fees, rewards, security, and other card features.
6. Based on the customer's profile and available offers, the AI Agent recommends relevant merchant categories, welcome promotions, or first-purchase incentives to encourage immediate card usage.
7. If human assistance is required, the conversation is seamlessly transferred to a human agent, who receives the complete WhatsApp conversation history together with an AI-generated summary of the interaction.

Result

• +13–15% increase in card activation and first-month card usage.