Digital Twin (Co-Pilot) – Customer Service Officer Assistant Qorus-Infosys Finacle Banking Innovation Awards 2025

Submitted by

DBS Group

DBS has garnered a slew of global accolades, underscoring our growing presence among banking leaders worldwide. We continue to be recognised for our leadership in digital, as well as our commitment to deliver a purpose beyond banking to create a more sustainable future. In 2019, DBS was named the ‘World’s...

Premium
11/06/2025 Banking Innovation
CSO Assistant is a GenAI-powered tool that transcribes and summarises calls in real time, analyses sentiment, retrieves data and suggests responses for frontline agents – transforming the customer journey to be seamless, responsive, and personalised
Innovation details
Country
Taiwan
Category
Predictive, Generative, and Agentic AI Innovation
Keyword
Customer experience, Operational excellence & efficiency, Customer service, AI & Generative AI, Digital channels & Omnichannels, HR & New ways of working, SME Banking, Contact center & Chatbots, SME Lending

Innovation presentation

Digital Twins (Co-Pilot) – Customer Service Officer Assistant is a game-changing solution launched by DBS Taiwan to empower Customer Service Officers with real-time artificial intelligence (AI) support. Built into the agent’s workflow, this tool integrates six intelligent features: voice transcription, real-time and post-call summarisation, customer sentiment analysis, contextual knowledge base suggestions, and immediate access to customer data (e.g., account balance, transfer status, IDEAL user ID).

A companion tool, JOICE, uses past service history to predict call reasons, summarise previous issues, and provide quick links to open service requests – allowing agents to prepare even before picking up the call.

The project stemmed from frontline challenges: time-consuming documentation, limited visibility into customer history, and inconsistent service quality. Developed in-house with DBS’ technology and operations teams, the solution demonstrates the success of deep cross-functional collaboration.

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