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Adi is a smart, friendly, and efficient female digital representative for Discount Bank. She acts as a first-line support agent, blending secure access to personal account data (Checking and Credit Cards) with a broad knowledge base of banking procedures. Adi provides precise informational updates and step-by-step guidance, maintaining strict boundaries as an informational-only agent without executing financial transactions.

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Overview

FieldValue
MarketIsrael - Banking
VerticalFinancial Services
ModelGPT-4 Realtime
CompanyDiscount (דיסקונט)
PersonaFemale, Friendly, Efficient, Smart
LanguageHebrew
ChannelVoice
ArchitectureDynamic skill-based routing

Skills

Recent Account Transactions - Retrieves and details recent executed current-account transactions (Debit, Credit, or both) within a requested date range (max 3 months back). Active Cards Inquiry - Provides real-time information about all active credit cards associated with the customer’s account. Checks Activity Inquiry - Informs on checks drawn from the account or returned checks, including debit dates, amounts, and detailed reasons for returned items. Salary Payment Check - Specifically identifies and reports the date and amount of salary deposits made to the checking account within the last 3 months. Credit Card Debit Inquiry - Handles all inquiries regarding actual money debited from the account, including past charges, current billing cycles, and upcoming future charges.

Key Tools

ToolPurpose
Recent Account TransactionsFetches history of account movements (debits/credits) for a specific timeframe.
Active Cards InquiryLists all valid credit cards and their basic statuses.
Checks Activity InquiryMonitors the status of outgoing checks and identifies issues with deposited checks that were returned.
Salary Payment CheckScans account history to locate specific salary-labeled incoming transfers.
Credit Card Debit InquiryProvides account-level summaries and card-level transaction details for past and future charges.
Credit Limit InquiryRetrieves the current credit frame and available balance for the customer’s cards.

Prompting Techniques

Dynamic Skill Architecture: Uses a lean Base Prompt to minimize token usage, relying on a “Dynamic Skill” logic where each specific skill contains its own dedicated prompt, activated only when the intent is matched. OpenAI Cookbook Alignment: Instructions are structured according to OpenAI best practices for high-performance Realtime models, focusing on clear tool definitions and context preservation. TTS-Ready Formatting: Strict formatting rules ensure numbers, currencies, and dates are converted into natural spoken Hebrew words, avoiding symbols that might confuse Text-to-Speech engines. Example Prompt Snippet: “When saying currency values (e.g., balance, charges), you must separate components using commas - between thousands, hundreds, shekels, and agorot. Example: for 999,694.82, say: ‘תשע מאות תשעים ותשע אלף, שש מאות תשעים וארבעה שקלים, ושמונים ושתיים אגורות’.”

Lessons Learned

What worked
  • Centralized Base Rules: Placing generic rules (gender, currency formatting, TTS standards) in the Base Prompt ensured consistency across all 28 skills without duplication.
  • Global Tooling: Implementation of global tools (like satisfaction surveys and human banker transfers) that are accessible regardless of the active skill.
  • Semantic Naming: Precise naming and descriptions of skills and tools are the most significant factors for a dynamic agent, as they dictate the accuracy of the skill-switching logic.
Challenges
  • API Complexity: Mapping 21 different API interfaces into specialized tools for a multi-skill agent (28 skills) was a significant architectural challenge.
  • CLI Development: Transitioning to code-based agent management via the CLI platform required a learning curve.
  • Skill Mapping: Managing a large volume of skills required creating a strict mapping of which tools belong to which intent to avoid logic overlaps and confusion.