Freedom Bank launches voice AI that turns routine banking into a spoken workflow
Almaty, Kazakhstan. Freedom Bank has embedded Artificial Intelligence into its business services and rolled out a voice-based assistant inside its super app. Entrepreneurs can speak a request and get it done: paying taxes, running payroll, moving funds between accounts, paying fines, and more. The assistant executes around 119 commands, cutting manual input and reclaiming time from repetitive work.
What this means for operations
- Shorter cycle times on recurring finance tasks with fewer context switches for your team.
- Standardized execution through a defined command catalog, which reduces variance and error risk.
- Hands-free tasking for owners and managers, while maintaining clear audit trails.
- Capacity unlocked for higher-value work: forecasting, cost control, vendor performance, and SLA oversight.
How the system is built to move fast
To enable voice-driven workflows, Freedom Bank digitalized key business processes with AI. Entrepreneurs in Kazakhstan also get free access to the GPT-5 chat, extending research and planning support beyond transactions. The same AI backbone supports compliance checks that scan transactions, detect hidden patterns, and flag attempts to bypass regulations.
Compliance analysis runs in minutes by cross-referencing internal and external sources. That reduces manual review, sharpens risk detection, and gives operations teams timely signals without adding headcount.
"Freedom" investment currency (ETN) turns spend into equity exposure
Among the bank's innovations is "Freedom," an investment currency accrued in ETN (Exchange Traded Notes). It functions like cashback that tracks Freedom Holding Corp. stock listed on Nasdaq, so clients gain exposure with every purchase. Over the past year, clients using this feature have grown past 3 million.
FRHC shares moved from $67 to $170 over the same period. In the example provided by the bank: 20,000 ETN at 1 ETN = $0.0067 equaled $134; at 1 ETN = $0.017, that value reached $340. See FRHC on Nasdaq for current details: FRHC listing.
Digital lending that compresses lead time
Freedom Bank introduced fully digital mortgage lending in Central Asia-application through property registration handled online. In the first seven months, it captured 62% of the market under the state mortgage program. The bank then added digital car loans and online business loans, taking processing from 30 days down to 1 day.
These shifts were enabled by Kazakhstan's GovTech progress, ranked 28th of 193 countries in the UN Global E-Government Development Index (UN EGDI).
Experience that drives adoption
To meet varied client preferences, the bank's SuperCard line includes designs featuring DC Universe, Rick and Morty, Naruto, The Lord of the Rings, and Game of Thrones. Freedom Bank secured licensing with Warner Bros. Discovery Global Consumer Products and TV Tokyo to use these images. Cards featuring world-famous singer Dimash Kudaibergen were also announced.
Ops checklist: put voice-driven banking to work
- Pick 8-10 repeatable tasks (taxes, payroll runs, routine transfers). Pilot them with the voice assistant and define approval thresholds and dual-control rules.
- Set guardrails: role-based permissions, MFA, whitelisted payees, per-transaction and daily limits, and immutable audit logs.
- Define fail-safes: exception queues, rollback steps, and clear owners for issue resolution. Test failure scenarios before scale-up.
- Integrate with your ERP/accounting system. Reconcile daily and auto-attach payment artifacts to your SOPs.
- Track outcomes: time saved per task, error rate, exception volume, and on-time completion versus SLAs.
- Upskill your team on automation and AI operations practices: automation training resources.
Contact
Rakhilya Mirzalimova - Chief PR & Communications Advisor, Freedom Bank
rm@freedombank.kz
+7 701 768 0566
About Freedom Bank Kazakhstan
Freedom Bank Kazakhstan is an innovative financial institution offering advanced digital banking solutions. The Bank is part of Freedom Holding Corp., a diversified financial group engaged in retail brokerage, securities trading, investment banking, and underwriting services. The holding's shares are publicly traded on the Nasdaq Capital Market.
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