Banking Through Conversation
Flot Chat is a conversational banking platform built and operated by Open Hubb. It enables users to perform financial transactions through messaging interfaces they already use. No app downloads. No complex logins. Just natural conversations that get things done.
Partner With UsFor Users
Financial services at your fingertips
All through simple conversational commands in your preferred messaging channel.
The User Experience
Initiate
User sends a simple request in natural language
Process
Flot processes using natural language understanding
Route
Transaction routed securely to service provider
Confirm
Immediate confirmation and transaction details
For Service Providers
Expand your reach through conversational channels
Channel Expansion
Reach users through messaging platforms they already use daily
Reduced Friction
Eliminate app download barriers and complex onboarding flows
API Integration
Connect through standard open banking APIs with minimal effort
Transaction Orchestration
Handle complex multi-step flows conversationally
Core Capabilities
Multi-Service Integration
Airtime top-ups, bill payments, money transfers, and balance inquiries — all through one conversational interface.
Multi-Channel Support
Multi-channel support ensures accessibility across all device types and connectivity levels.
Security & Compliance
End-to-end encryption, multi-factor authentication, and comprehensive audit logging with compliance-aware design.
Technical Architecture
RESTful APIs, real-time webhooks, and scalable cloud infrastructure designed for high-throughput financial messaging.
Why Conversational Banking?
Accessibility
Works on feature phones and smartphones alike — no special app required
Familiarity
People already know how to send messages — zero learning curve
Efficiency
Complete financial transactions in seconds with simple text commands
Inclusion
Reaches underserved populations in emerging markets
Flot Chat, an Open Hubb platform, is currently in controlled deployment with select partners
Interested in bringing conversational banking to your users?