AI customer experience for fintech kiosks in the Philippines
Automating multilingual support for the Philippines’ largest kiosk network
2x increase in average handled inquires within first 60 days with no increase in headcount
2x increase in average handled inquires within first 60 days with no increase in headcount
60% inquiries automated
60% inquiries automated
30K chats handled monthly
30K chats handled monthly
eTap (Electronic Transfer and Advance Processing Inc.) is a leading Philippine-based fintech that manufactures self-service payment machines and develops digital payment solutions. Its kiosks enable bill payments, e-loading, and e-wallet top-ups in real time, often deployed in sari-sari stores to serve cash-reliant communities. eTap operates more than 4,000 kiosks nationwide, making it one of the country’s largest providers of accessible fintech infrastructure to wide-ranging demographics.
eTap was searching for an AI solution to improve its rapidly scaling customer service operations. They needed a secure platform that could automate repetitive inquiries, support Taglish (Tagalog + English) conversations, and complement its expanding network across the Philippines. Proto was a match, with a proven deployment to its regulator, the Central Bank of the Philippines.
The result of the eTap and Proto partnership is Tappy, a versatile AI assistant on webchat and Messenger, trained on Filipino languages.

Kiosk troubleshooting
Tappy now guides customers through troubleshooting steps for repetitive queries such as:
- No receipt dispensed
- Cash inserted but not posted (“kinain ng machine ang pera”)
- Cancelled transaction with trapped bills
- Wrong receiver number inputted
While serious cases like kiosk malfunctions or cash-trapping still require human resolution, Tappy reduces delays by preparing all necessary information in advance. If human agent assistance is required, it captures reference numbers, transaction details, and contact info. This ensures that live agents receive a complete case file when escalation is required.
More than 50% of tickets - 9,000 monthly inquires - are lodged outside live agent working hours, demonstrating Tappy’s role in keeping service always on.
Proto’s inbox and ticketing features enable:
- Seamless switching between automated and live support
- Easy review of the linked chat preceding the ticket by live agents – for a complete conversation context
- Automated customer notification after the ticket is created
Once the ticket is submitted the customer can track ticket status using their reference number, transaction type, or phone number.
As adoption accelerated – reaching 800,000 interactions and 30,000 chats within just two months of deployment – this workflow proved critical in managing volume without increasing agent headcount.
Transaction status
Previously, transaction status queries were one of the biggest drivers of tickets, overwhelming agents and delaying responses by 1–3 days. Tappy now provides instant updates on general payment or loading statuses, giving customers real-time reassurance.
- Customers can check transaction status by providing a transaction ID or a phone number used in the transaction alongside with the transaction type
- Failed transcations can be immediately escalated to live agents
- Customer can view anticipated wait period for the pending transactions
With full context already logged and summarised, agents resolve escalated tickets faster. This workflow doubled the number of handled inquiries within two months of the deployment – while keeping the same support team headcount.

FAQs
Finally, frequently asked questions such as
- “How do I reload my wallet?”
- “What if the kiosk doesn’t print a receipt?”
– are now answered instantly in Taglish and Filipino languages. This lifted customer confidence and reduced agent pressure during peak transaction periods in this multilingual market, resulting in a 60% inquiry automation rate – the percentage of chats handled without human intervention.
Importantly, Tappy ensures after-hours 24/7 coverage: FAQs are answered immediately, while complaints are logged as tickets, complete with confirmation emails sent to customers. This closed the overnight gap when no agents were available. On average, more than 52% of all chats – over 15,000 each month – happen outside live agent working hours.
About Proto
Proto is a leading provider of local and secure AI solutions for emerging markets. The company is trusted by governments and regulated industries to power inclusive interactions for usecases such as transaction support, citizen engagement, and anti-scam centres. Proto’s clients include central banks, remittance services, and hospitals protected with the company’s SOC2, ISO27001, GDPR, and HIPAA security compliance. Proto’s proprietary natural language engine delivers understanding for local and mixed languages across underserved populations – beyond the capabilities of large language models. Headquartered in Canada, Proto operates from regional offices in the Philippines and Rwanda.
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