Multilingual
Ask For Your Balance
In Any Language
No menus, no "Account," no "Balance" commands to memorise. The
customer just holds the mic and asks — VoiceBank detects what they mean,
not just the words they use, and answers instantly in the same breath.
Understands natural speech, not scripted commands, spoken naturally rather
than "correctly."
Detects intent, not keywords like "Account" or "Balance"
No typing, no menus — just hold the button and speak
Responds instantly with live account details
Smart Analysis
Understand Spending
Without Opening a Statement
This isn't a balance lookup — it's a real question about behaviour. VoiceBank understands the context behind it, evaluates the actual transaction history,
and aggregates a spoken answer, the way a human relationship manager would.
Understands context, not just the literal request
Evaluates the query against real transaction data
Aggregates and summarises the response in plain language
Answers a spending question in seconds
Mixed Language
Speaks the Way
India Actually Talks
Real conversations switch languages mid-sentence — and so does
VoiceBank. It follows code-mixed speech, maps it to the right banking
action, and checks the results before it responds.
Understands context even when languages mix mid-query
Converts natural speech directly into the right API call
Evaluates results before responding — not a raw data dump
Returns an itemised, categorised answer, not just a number
Secure Transfer
Send Money
Just By Saying SoTransfers need judgement, not just transcription. VoiceBank holds context
across the whole exchange, processes the result from core banking APIs in
real time, and knows what to do when the request isn't as simple as it sounds.
Manages context across a multi-step transfer conversation
Processes MCP / API results live, mid-conversation
Resolves conflicts — e.g. two beneficiaries with the same name
Confirms the right recipient before a rupee moves
EMIs & Loans
Stay On Top Of
Your EMIs & Loans
VoiceBank remembers what was just discussed, so the customer never
has to repeat themselves. Ask a follow-up in a different language
mid-conversation, and it still gives the one answer that actually matters.
Remembers context across the full conversation
Surfaces only the relevant detail — not a full loan statement
Works across multiple languages in the same session
Instant answer, no digging through statements
Multilingual
Ask For Your Balance
In Any Language
No menus, no "Account," no "Balance" commands to memorise. The
customer just holds the mic and asks — VoiceBank detects what they mean,
not just the words they use, and answers instantly in the same breath.
Understands natural speech, not scripted commands, spoken naturally rather
than "correctly."
Detects intent, not keywords like "Account" or "Balance"
No typing, no menus — just hold the button and speak
Responds instantly with live account details
Smart Analysis
Understand Spending
Without Opening a Statement
This isn't a balance lookup — it's a real question about behaviour. VoiceBank understands the context behind it, evaluates the actual transaction history,
and aggregates a spoken answer, the way a human relationship manager would.
Understands context, not just the literal request
Evaluates the query against real transaction data
Aggregates and summarises the response in plain language
Answers a spending question in seconds
Mixed Language
Speaks the Way
India Actually Talks
Real conversations switch languages mid-sentence — and so does
VoiceBank. It follows code-mixed speech, maps it to the right banking
action, and checks the results before it responds.
Understands context even when languages mix mid-query
Converts natural speech directly into the right API call
Evaluates results before responding — not a raw data dump
Returns an itemised, categorised answer, not just a number
Secure Transfer
Send Money
Just By Saying SoTransfers need judgement, not just transcription. VoiceBank holds context
across the whole exchange, processes the result from core banking APIs in
real time, and knows what to do when the request isn't as simple as it sounds.
Manages context across a multi-step transfer conversation
Processes MCP / API results live, mid-conversation
Resolves conflicts — e.g. two beneficiaries with the same name
Confirms the right recipient before a rupee moves
EMIs & Loans
Stay On Top Of
Your EMIs & Loans
VoiceBank remembers what was just discussed, so the customer never
has to repeat themselves. Ask a follow-up in a different language
mid-conversation, and it still gives the one answer that actually matters.
Remembers context across the full conversation
Surfaces only the relevant detail — not a full loan statement
Works across multiple languages in the same session
Instant answer, no digging through statements
Multilingual
Ask For Your Balance
In Any Language
No menus, no "Account," no "Balance" commands to memorise. The customer just holds the mic and asks — VoiceBank detects what they mean, not just the words they use, and answers instantly in the same breath.
Understands natural speech, not scripted commands, spoken naturally rather than "correctly."
Detects intent, not keywords like "Account" or "Balance"
No typing, no menus — just hold the button and speak
Responds instantly with live account details
Smart Analysis
Understand Spending
Without Opening a Statement
This isn't a balance lookup — it's a real question about behaviour. VoiceBank understands the context behind it, evaluates the actual transaction history, and aggregates a spoken answer, the way a human relationship manager would.
Understands context, not just the literal request
Evaluates the query against real transaction data
Aggregates and summarises the response in plain language
Answers a spending question in seconds
Mixed Language
Speaks the Way
India Actually Talks
Real conversations switch languages mid-sentence — and so does VoiceBank. It follows code-mixed speech, maps it to the right banking action, and checks the results before it responds.
Understands context even when languages mix mid-query
Converts natural speech directly into the right API call
Evaluates results before responding — not a raw data dump
Returns an itemised, categorised answer, not just a number
Secure Transfer
Send Money
Just By Saying SoTransfers need judgement, not just transcription. VoiceBank holds context across the whole exchange, processes the result from core banking APIs in real time, and knows what to do when the request isn't as simple as it sounds.
Manages context across a multi-step transfer conversation
Processes MCP / API results live, mid-conversation
Resolves conflicts — e.g. two beneficiaries with the same name
Confirms the right recipient before a rupee moves
EMIs & Loans
Stay On Top Of
Your EMIs & Loans
VoiceBank remembers what was just discussed, so the customer never
has to repeat themselves. Ask a follow-up in a different language mid-conversation, and it still gives the one answer that actually matters.
Remembers context across the full conversation
Surfaces only the relevant detail — not a full loan statement
Works across multiple languages in the same session
Instant answer, no digging through statements
What We Do
What We Do
AI ML
Experimentation
We explore advanced artificial intelligence and machine learning techniques to solve complex business problems. From predictive modeling and deep learning to recommendation systems, risk modeling, and fraud detection, our focus is on creating scalable, high-performance prototypes that can become enterprise-grade solutions.
Generative AI
Solutions
We experiment with large language models (LLMs), NLP-driven chatbots, voice assistants, and AI-based content generation, helping enterprises automate knowledge-intensive tasks like customer support, KYC/eKYC verification, and document summarization.
Data
Intelligence
Data is at the core of every breakthrough. We leverage data pipelines, advanced analytics, and AI/ML-based insights to craft intelligent dashboards, automated decision-making engines, and predictive solutions that give enterprises a competitive edge.
Emerging Technology
Prototyping
Our Lab is constantly exploring low-code platforms, edge computing, computer vision, and voice-based AI to create solutions that improve customer experience and enterprise efficiency.
AI ML
Experimentation
We explore advanced artificial intelligence and machine learning techniques to solve complex business problems. From predictive modeling and deep learning to recommendation systems, risk modeling, and fraud detection.
Generative AI
Solutions
We experiment with large language models (LLMs), NLP-driven chatbots, voice assistants, and AI-based content generation, helping enterprises automate knowledge-intensive tasks like customer support, KYC/eKYC verification, and document summarization.
Data
Intelligence
Data is at the core of every breakthrough. We leverage data pipelines, advanced analytics, and AI/ML-based insights to craft intelligent dashboards, automated decision-making engines, and predictive solutions that give enterprises a competitive edge.
Emerging Technology
Prototyping
Our Lab is constantly exploring low-code platforms, edge computing, computer vision, and voice-based AI to create solutions that improve customer experience and enterprise efficiency.
AI ML
Experimentation
We explore advanced artificial intelligence and machine learning techniques to solve complex business problems. From predictive modeling and deep learning to recommendation systems, risk modeling, and fraud detection, our focus is on creating scalable, high-performance prototypes that can become enterprise-grade solutions.
Generative AI
Solutions
We experiment with large language models (LLMs), NLP-driven chatbots, voice assistants, and AI-based content generation, helping enterprises automate knowledge-intensive tasks like customer support, KYC/eKYC verification, and document summarization.
Data
Intelligence
Data is at the core of every breakthrough. We leverage data pipelines, advanced analytics, and AI/ML-based insights to craft intelligent dashboards, automated decision-making engines, and predictive solutions that give enterprises a competitive edge.
Emerging Technology
Prototyping
Our Lab is constantly exploring low-code platforms, edge computing, computer vision, and voice-based AI to create solutions that improve customer experience and enterprise efficiency.
How it Helps Enterprises
How it Helps Enterprises
Future-Ready Solutions
Products and POCs from our Lab often evolve into full- scale enterprise solutions—from intelligent automation tools to fraud detection engines.
Faster Time-to-Value
By pre-building and validating new tech internally, we save enterprises months of experimentation.
De-Risking Innovation
Enterprises benefit from our battle-tested prototypes, avoiding the risk and cost of starting from zero.
Cross-Industry Impact
Our experiments have led to AI-based financial crime prevention for banks, automated claim processing for insurance, and smart recommendations for eCommerce.
Whats Brewing in The Lab
Whats Brewing in The Lab
AI-powered voice transcription & summarisation engines
AI-powered voice transcription & summarisation engines
Multi Language
Support
Multi Language Support
Generative AI tools for enterprise knowledge management
Generative AI tools for enterprise knowledge management
Agentic
Workflow
Agentic Workflow
Real-time recommendation systems for eCommerce & fintech
Real-time recommendation systems for eCommerce & fintech
Continuous authentication & identity verification (eKYC)
Continuous authentication & identity verification (eKYC)
How We Work
How We Work
Rapid Prototyping
We build proof-of-concepts (POCs) to help you test ideas quickly and validate feasibility before full-scale development.
Enterprise Use-Case Focus
Every innovation is tied to a business outcome—improved efficiency, reduced risk, better customer experiences
Emerging Tech Readiness
From AI/ML and natural language processing to immersive experiences, we help you explore what’s next—without the risk.
Faster Time to Market
Innovation doesn't have to slow you down. Our Lab accelerates solution design so you're ahead of the curve.
Head Office:
7th Floor, Amar Tech Park, Patil Nagar,
Balewadi, Pune, MH 411045 India
7th Floor, Amar Tech Park, Patil Nagar,
Balewadi, Pune, MH 411045 India
+91 7887889902
contact@joshsoftware.com
© 2026 Josh Software. All Rights Reserved.
© 2026 Josh Software. All Rights Reserved.
Head Office:
6th Floor, Amar Tech Park, Patil Nagar, Balewadi, Pune, MH 411045 India
+91 7887889902
Multilingual
Ask For Your Balance
In Any Language
No menus, no “Account,” no “Balance” commands to memorise. The customer just holds the mic and asks — VoiceBank detects what they mean, not just the words
they use, and answers instantly in the same breath.
Understands natural speech, not scripted
commands, spoken naturally rather than "correctly."
Detects intent, not keywords like "Account" or
"Balance"
No typing, no menus — just hold the button and
speak
Responds instantly with live account details