# Mere account mein kitna balance hai? -- On building voice enabled Banking Services for Multilingual Communities

arXiv: https://arxiv.org/abs/2010.16411 · HTML: https://mlsanity.com/paper/2010.16411/

## Key facts

- Cited by 5 papers in the map (data through 14 Oct 2026).
- First posted on arXiv 9 Oct 2020.

## Built on by (most cited first, 5 of 5)

- [Intent Recognition and Unsupervised Slot Identification for Low Resourced Spoken Dialog Systems](https://mlsanity.com/paper/2104.01287/) (2021)
- [On Building Spoken Language Understanding Systems for Low Resourced Languages](https://mlsanity.com/paper/2205.12818/) (2022)
- [Word-Free Spoken Language Understanding for Mandarin-Chinese](https://mlsanity.com/paper/2107.00186/) (2021)
- [Intent Classification Using Pre-trained Language Agnostic Embeddings For Low Resource Languages](https://mlsanity.com/paper/2110.09264/) (2021)
- [Creating Spoken Dialog Systems in Ultra-Low Resourced Settings](https://mlsanity.com/paper/2312.06266/) (2023)

## Abstract (arXiv)

Tremendous progress in speech and language processing has brought language technologies closer to daily human life. Voice technology has the potential to act as a horizontal enabling layer across all aspects of digitization. It is especially beneficial to rural communities in scenarios like a pandemic. In this work we present our initial exploratory work towards one such direction -- building voice enabled banking services for multilingual societies. Speech interaction for typical banking transactions in multilingual communities involves the presence of filled pauses and is characterized by Code Mixing. Code Mixing is a phenomenon where lexical items from one language are embedded in the utterance of another. Therefore speech systems deployed for banking applications should be able to process such content. In our work we investigate various training strategies for building speech based intent recognition systems. We present our results using a Naive Bayes classifier on approximate acoustic phone units using the Allosaurus library.