Case Studies | FinTech

Intelligent call transcription and card data extraction, built on AWS

Intelligent Call Transcription and Card Data Extraction

About

A FinTech business working with Cloud Combinator on AWS. The client is anonymised at their request.

Challenge

The challenge had three focus areas.

Understanding card details as people actually say them

Callers do not read card numbers in neat digits. They say things like "double five" for "55" or "triple seven" for "777", across different accents and speaking styles. The system had to transcribe and interpret those variations with high fidelity, because a single wrong digit makes the extraction useless.

Speed and volume

Card extraction had to be fully automated, with no manual step, fast enough to complete within a thirty-second processing window, and able to handle more than 2,000 conversations per day at scale.

Audit and compliance

Every extraction needed a durable record: the raw transcription, the structured result, a confidence score and a full audit trail, so the client could reconcile results, flag low-confidence cases for review, and support its PCI DSS and data protection obligations.

Solution

Audio streams from the client's telephony infrastructure into Amazon Transcribe, which converts speech to text in real time with confidence scores. A completion event triggers an AWS Lambda function that stores the raw transcription in Amazon S3 and passes the text to Amazon Bedrock.

2,000+

Conversations per day the pipeline is designed to handle

30s

Processing window target per conversation for extraction

$12.4k

Projected annual AWS running cost at design volume (projected)

By the numbers:

  • 2,000+ - Conversations per day the pipeline is designed to handle
  • 30s - Processing window target per conversation for extraction
  • $12.4k - Projected annual AWS running cost at design volume (projected)
Changes

Cloud Combinator delivered a fully functional, AWS-native pipeline, deployed in eu-west-1 and defined in CloudFormation, that automatically extracts payment card details from spoken customer input. Every extraction decision is logged with a confidence score and audit trail, and the system was validated against representative the client's call data and known test card numbers across varied spoken styles.

  • Real-time transcriptionAmazon Transcribe converts streaming call audio into text with confidence scores, handling spoken variations of card numbers.
  • AI extraction and validationAmazon Bedrock with Claude extracts card number, expiry and CVV into validated JSON, within a thirty-second window per conversation.
  • Audit-ready storageRaw transcriptions and extracted results are stored in Amazon S3 with versioning and encryption, and tracked in DynamoDB for a complete audit trail.
  • Operational visibilityCloudWatch logging, metrics and alarms flag failed or low-confidence extractions for human review rather than silent failure.
  • HandoverCloudFormation templates, architecture diagrams, an API specification, operational runbooks and video walkthroughs so the client's team can own and operate the system independently.

With a production-ready pipeline and full infrastructure-as-code in its own account, the client has a foundation for AI-driven payment processing that it can extend, adding capabilities such as multi-language support and further validation rules in future phases.

AWS Stack

Amazon Transcribe

For real-time streaming speech-to-text with confidence scoring.

Amazon Bedrock

With Claude for structured extraction and validation of card details from the transcription.

AWS Lambda

For serverless orchestration between transcription, extraction and storage.

Amazon S3

And Amazon DynamoDB for durable artifact storage and conversation-level audit trail.

Amazon API

Gateway, Amazon CloudWatch and AWS CloudFormation for result access, monitoring and repeatable infrastructure-as-code.

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