Private banks need a channel as easy as WhatsApp but with mobile-banking security: text, documents, voice and video, institutional memory, and signable documents with documented origin, for clients, prospects and partners.

Financial institutions, and especially private banks, need to avoid unauthorized channels for advice, transaction instructions, or data subject to banking secrecy. Unauthenticated channels are entry doors for fraud, in both directions.

The Conversational Framework is as easy to use as a messenger like WhatsApp, but with the full security and compliance of mobile banking (either integrated into the mobile banking app, or as a stand-alone white-labelled app).

Advisor and client can converse with text messages, documents, voice messages, and voice and video calls, while lowering bank risk. Conversations (texts, documents, and calls that can be recorded and transcribed) live in a central place for institutional memory, increasing resilience.

Transmission of signable documents such as contracts, subscription orders, or transaction instructions systematically documents the origin and context of what is being signed.

This applies not only to clients, but also to prospects and partners of the clients (for example staff of the family office, lawyers, or tax advisors).

The framework can run as a white-labelled mobile app for the client, or be integrated directly into the bank's mobile banking app.