Multilingual Conversational AI for Financial Assistance: Bridging Language Barriers in Indian FinTech
Financial inclusion in India is hindered by extreme linguistic diversity—31 major languages coexist, yet only 10% of the population is proficient in English, creating significant barriers for low-resource language users in fintech interactions. Method: We propose a multilingual conversational AI system tailored for financial services, featuring a novel multi-agent architecture that jointly orchestrates language identification, functional routing, and response generation. The system natively supports code-mixed languages (e.g., Hinglish), integrates multilingual large language models, lightweight function routing, and domain-customized response generation, and is optimized on real-world financial dialogue data for semantic fidelity and inference efficiency. Contribution/Results: Deployment demonstrates substantial improvement in user engagement, with only a 4–8% increase in end-to-end latency. The system achieves high stability and computational efficiency across multilingual financial tasks, effectively overcoming longstanding resource scarcity constraints in low-resource language fintech applications.