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Keytrade Bank

Proof of concept for personalized AI-powered customer information.

Keytrade Bank, a leading financial organization, developed an internal AI assistant powered by a large language model (LLM) to answer general customer questions based on their knowledge base. They partnered with icapps to take the next step: enabling personalized interactions based on individual user data. Our team built a smart frontend and backend integration that made this possible, with context-aware processing and a tailored chat interface.

Tech
  • React

Challenge

Keytrade’s internal AI system could handle generic questions like “What is the processing time for a transfer?” but fell short when users asked personalized questions, thinking “How much did I spend last month?” or “What was my biggest transaction?”

They needed a way to make this possible, but without compromising privacy or system accuracy. At the same time, their own data structure lacked the classification depth to support more complex queries. This limited the potential of the LLM-powered system and created friction in delivering a truly personal experience.

The solution

We developed a proof of concept that enables personalized conversations through a custom-built chat interface and intelligent backend logic.

  • Lightweight frontend built in React, modeled after popular chat interfaces

  • Smart backend in Python that routes questions to either the general knowledge base or user-specific data

  • Real-time context injection to enhance short, vague user prompts with detailed background info

  • Built-in support for both logged-in and guest users (using scrubbed data in the PoC)

The system mimics a typical AI chat flow but is capable of switching between general and personalized answers, without the user needing to rephrase their question.

Our approach

We kicked off with a technical deep dive into Keytrade’s existing LLM setup and data architecture. Using an agile approach, we designed and built a prototype that could add large amounts of contextual data to user prompts before sending them to the LLM.

At the same time, we made sure the chat interface remained simple and user-friendly, abstracting away the complexity on the backend.

Key hurdles like LLM memory limits and data classification mismatches were tackled iteratively, with close feedback loops from Keytrade’s AI and product teams.

The outcome

While this was a proof of concept, it clearly showed the feasibility of delivering personalized AI responses at scale, even within the limitations of current data structures.

The intelligent backend successfully determined the intent of incoming questions and injected the right context before querying the LLM.

However, the experiment also highlighted a key challenge: Keytrade's data lacked proper classification (e.g., spending categories), which limits the depth of personalization. This insight now serves as a valuable input for future roadmap planning on their end.

"

We proved the technology works, but the real breakthrough was identifying data classification as the cornerstone for their future roadmap.

Maarten Anckaert Innovation manager at icapps

Key features

Context engine – Automatically enriches short prompts with relevant background to help the LLM deliver precise answers.
Intent routing – Determines whether a question is general, personal, or a hybrid, and sends it to the correct data source.
Mock data support – Allows secure prototyping without exposing sensitive information.

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