README.md

---
tags:
- generated_from_trainer
- banking
- finance
- internet banking
- mobile banking
- Natural User Interface
- NUI
- Voice Banking
model-index:
- name: TenaliAI-FinTech-v1
  results: []
widget:
- text: Can you pls tell me what is the latest balance in my account number 1001
  example_title: Balance Enquiry
- text: I want to send money abroad. What is the process
  example_title: Outward Remittance
- text: What is the Fixed Deposit rate for a bulk amount of more than 2 crore INR?
  example_title: Bulk FD Rate
- text: What is the total interest paid on my loan till date?
  example_title: Loan Details
- text: Can I set a daily spending limit on my debit card? How do I do that?
  example_title: Transaction Limit
- text : Tell me the status of the funds transfer I initiated last Wednesday.
  example_title: Funds Transfer Status
- text : Can you provide a list of all the Fixed Deposits linked to my customer ID?
  example_title: Fixed Deposit List
- text : How can I change my email address associated with the account?
  example_title: Change Contact Info
- text : Please send the loan account statement for the month of June to my mailing address.
  example_title: Account Statement
- text : Show me last 15 transactions of my saving account
  example_title: Transaction History
license: apache-2.0
language:
- en
metrics:
- accuracy
---




# TenaliAI-FinTech-v1

This model was trained from scratch on banking dataset.
It achieves the following results on the evaluation set:
- Loss: 0.1350

## Model description

This project is integral to the development of a Natural User Interface(NUI) within the Banking and Finance Industry [BFSI].

The TenaliAI-FinTech model is specifically designed to tackle the intricate task of deciphering the intent behind customer queries in the BFSI sector.

The underlying technology behind TenaliAI-FinTech employs advanced natural language processing and machine learning algorithms. These technologies enhance the model's ability to accurately classify and understand the diverse range of customer queries. By leveraging sophisticated classification techniques, the model ensures a more precise interpretation of user intent, regardless of whether the query originates from the bank's net banking portal, mobile banking portal, or other communication channels.

Furthermore, the model excels in query tokenization, making it proficient in breaking down customer queries into meaningful components. This capability not only streamlines the processing of customer requests but also enables a more efficient and targeted response.

Ultimately, the technology powering TenaliAI-FinTech contributes to an enhanced customer service experience by providing quicker and more accurate responses to inquiries across multiple banking platforms.

## Intended uses & limitations

This model is meant to generate "Intent" for a given customer query on bank's netbanking portal or mobile banking. Following is the list of intents :

<pre>
{
    'add_beneficiary': 0, 
    'balance_enquiry': 1, 
    'beneficiary_details': 2, 
    'bill_payment': 3, 
    'block_card': 4, 
    'bulk_payments': 5, 
    'bulk_payments_status': 6, 
    'change_contact_info': 7, 
    'debit_card_details': 8, 
    'delete_beneficiary': 9, 
    'fd_details': 10, 
    'fd_rate': 11, 
    'fd_rate_large_amount': 12, 
    'funds_transfer_other_bank': 13, 
    'funds_transfer_own_account': 14, 
    'funds_transfer_status': 15, 
    'funds_transfer_third_party': 16, 
    'gst_payment': 17, 
    'investment_details': 18, 
    'list_accounts': 19, 
    'list_beneficiary': 20, 
    'list_billers': 21, 
    'list_fd': 22, 
    'list_investments': 23, 
    'list_loans': 24, 
    'loan_details': 25, 
    'nrv_details': 26, 
    'open_account': 27, 
    'pending_authorization': 28, 
    'pin_change': 29, 
    'raise_request': 30, 
    'request_status': 31, 
    'saving_interest_rate': 32, 
    'send_money_abroad': 33, 
    'ss_fd_rate': 34, 
    'transaction_history': 35, 
    'transaction_limit': 36, 
    'update_beneficiary': 37}
</pre>

How to use :

1. Type a query such as
   - "Tell me my last 10 transactions"
   - "I am senior citizen. What is FD rates"
   - "I want to send money to my brother"
   - "I want Fixed Deposit rate for 2 Crore INR"
   - "What is the outstanding EMI or my loan"
   - "How many active loans do I have ?"
   - "I want to add a new beneficiary"
3. This engine will understand the "intent" behind the query and return the value of LABEL_0 to LABEL_50.
4. The LABEL having maximum value (which will be at the top in the result) will be the identified "intent"
5. Use above mapping table and convert LABEL to Code. So, for example, LABEL_34 means "Senior Citizen Fixed Deposit Rate" and so on.

## Training and evaluation data


| Training Loss | Epoch | Step | Validation Loss |
|:-------------:|:-----:|:----:|:---------------:|
| No log        | 1.0   | 222  | 2.3696          |
| No log        | 2.0   | 444  | 1.0432          |
| 2.3371        | 3.0   | 666  | 0.3821          |
| 2.3371        | 4.0   | 888  | 0.1731          |
| 0.3285        | 5.0   | 1110 | 0.1151          |
| 0.3285        | 6.0   | 1332 | 0.1089          |
| 0.0443        | 7.0   | 1554 | 0.1107          |
| 0.0443        | 8.0   | 1776 | 0.1083          |
| 0.0443        | 9.0   | 1998 | 0.1025          |
| 0.0153        | 10.0  | 2220 | 0.1048          |


### Framework versions

- Transformers 4.41.1
- Pytorch 2.3.0
- Tokenizers 0.19.1

## Training procedure

### Training hyperparameters

The following hyperparameters were used during training:
- learning_rate: 2e-05
- train_batch_size: 8
- eval_batch_size: 8
- seed: 42
- optimizer: Adam with betas=(0.9,0.999) and epsilon=1e-08
- lr_scheduler_type: linear
- num_epochs: 20

### Training results

| Training Loss | Epoch | Step | Validation Loss |
|:-------------:|:-----:|:----:|:---------------:|
| No log        | 1.0   | 229  | 1.9891          |
| No log        | 2.0   | 458  | 0.6549          |
| 2.1005        | 3.0   | 687  | 0.1826          |
| 2.1005        | 4.0   | 916  | 0.0937          |
| 0.2019        | 5.0   | 1145 | 0.0764          |
| 0.2019        | 6.0   | 1374 | 0.0788          |
| 0.0251        | 7.0   | 1603 | 0.0759          |
| 0.0251        | 8.0   | 1832 | 0.0758          |
| 0.0115        | 9.0   | 2061 | 0.0773          |
| 0.0115        | 10.0  | 2290 | 0.0777          |
| 0.0073        | 11.0  | 2519 | 0.0787          |
| 0.0073        | 12.0  | 2748 | 0.0805          |
| 0.0073        | 13.0  | 2977 | 0.0815          |
| 0.0053        | 14.0  | 3206 | 0.0816          |
| 0.0053        | 15.0  | 3435 | 0.0824          |
| 0.0041        | 16.0  | 3664 | 0.0838          |
| 0.0041        | 17.0  | 3893 | 0.0828          |
| 0.0035        | 18.0  | 4122 | 0.0836          |
| 0.0035        | 19.0  | 4351 | 0.0836          |
| 0.0031        | 20.0  | 4580 | 0.0837          |


### Framework versions

- Transformers 4.30.0
- Pytorch 2.0.1
- Datasets 2.12.0
- Tokenizers 0.13.3