A person may explain a transfer naturally, in the language they are comfortable using. The interface can help collect details, clarify intent, and present the quote in understandable terms.
Keep the payment explicit
Confirm the beneficiary, destination, amount, currency, fees, and relevant delivery information before execution. A conversation should help the customer understand the instruction.
Preserve the controls
Authentication, required verification, fraud checks, limits, pricing, provider orchestration, callbacks, reconciliation, and audit history still apply. Human handoff needs a defined place when information or authority is uncertain.
The conversational layer can make a complex process easier to use. It should connect to the same controlled transaction services as other customer channels.