Voice agent testing for financial services

From balance inquiries to fraud detection, test every transaction

A wrong balance is a complaint. A leaked account number is a regulatory filing. Hamming simulates your customers, red-teams the agent before launch, and keeps the evidence your compliance team needs.

Hamming works with

All integrations
  • Vapi
  • Retell AI
  • ElevenLabs
  • LiveKit
  • Pipecat
  • OpenAI
  • Synthflow
  • Daily
01Test suite generation

Generate financial transaction scenarios automatically

Create banking-specific test suites that cover transactions, fraud checks, and escalation workflows with production realism.

Banking172 scenarios
Disputes a card charge from last week
Moves money between two accounts
Sounds coached by someone off the linefraud check
Fig. 1 · Test suite generation
  • Test end-to-end transaction processing

    • Test transfers, payments, and refund processes from initiation to confirmation
    • Validate amount confirmation, recipient verification, and transaction authorization
    • Validate secure DTMF handoffs and payment redirections during sensitive data entry
  • Validate authentication and data security flows

    • Test multi-factor authentication using PINs, OTPs, and security questions
    • Validate secure credential handling across sessions
    • Test failed authentication attempts and session handling for sensitive customer data
  • Test fraud detection and prevention capabilities

    • Simulate fraud scenarios like social engineering or unauthorized access attempts
    • Test alert generation, transaction blocking, and escalation workflows
    • Confirm accurate handling and traceability of fraud-related interactions
02AI voice agent testing

Catch hallucinations and compliance drift

Test across thousands of banking scenarios to validate transaction accuracy, compliance adherence, and model reliability across financial workflows.

Compliance checks · card servicing
Reg EDispute rights explained in fullpass
PolicyNo investment advicepass
PCI DSSRead a full card number backfail
Fig. 2 · AI voice agent testing
  • Test financial regulatory compliance

    • Test compliance with PCI DSS, GDPR, and regional financial data laws
    • Validate required disclosures, consent collection, and opt-in/opt-out handling
    • Check recording notices and customer authorization workflows
  • Test account management and servicing

    • Test balance inquiries, transaction lookups, and account modifications
    • Validate address changes, card replacements, and service requests
    • Check that fee and interest rate disclosures are accurate
  • Red team financial voice agents

    • Simulate jailbreaks, data extraction, and prompt manipulation attempts
    • Test agent resilience under noise, code-switching, and cross-talk conditions
    • Validate safeguards that prevent sensitive data disclosure and policy violations
03Operational reliability testing

Operational reliability for financial voice models

Continuously validate production voice agents for compliance, accuracy, and performance as prompts and models evolve.

Agents in production · last 24 hours
Card servicing
Fraud line
Loan status

Fraud line 09:00 · answers drifting from policy → on-call paged

Fig. 3 · Operational reliability testing
  • Monitor ongoing compliance in production

    • Monitor real-time compliance with data handling and privacy regulations
    • Track consent collection, opt-in/opt-out handling, and disclosure accuracy
    • Generate compliance reports and audit trails for regulatory review
  • Detect model drift and performance degradation

    • Monitor transaction accuracy, authentication success rates, and fraud detection performance
    • Detect prompt regressions that could cause compliance violations
    • Alert on unexpected changes in customer interaction patterns or response quality
  • Pre-production model validation

    • Evaluate new model versions against live traffic patterns
    • Compare accuracy, latency, and compliance metrics across versions
    • Maintain workflow integrity for authentication, payments, and servicing
“Our old testing vendor told us our voice agents were passing. Our customers and our own ears told us otherwise. Hamming closed that gap. It surfaced real failures the other tool couldn't see, precise enough that we could isolate and fix them fast. Hamming is now our exclusive regression-testing gate for every new agent we build, and part of our core product experience.”
Gustavo Sanchez
Founder & CEO, Booked AI

Frequently asked
questions.

Browse every answer on the FAQ page