Virtual Assistant Host Platform Configured for Interactive Voice Response Simulation

A method comprising:

• at a computing platform comprising at least one processor, a communication interface, and memory:
• establishing a virtual assistant session with a mobile banking application executing on a mobile device, wherein establishing the virtual assistant session with the mobile banking application executing on the mobile device comprises authenticating at least one authentication credential associated with an online banking account;
• receiving an assistance message from the mobile device requesting assistance;
• identifying, using a machine learning model, an intent of the assistance message;
• generating a response message based on the intent of the assistance message;
• and
• sending the response message and one or more commands directing the mobile device to output an audio response file based on the response message to the mobile device, wherein sending the response message and the one or more commands directing the mobile device to output the audio response file based on the response message causes the mobile device to convert the response message into the audio response file and output the audio response file.

One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, a communication interface, and memory, cause the computing platform to:

• establish a virtual assistant session with a mobile banking application executing on a mobile device, wherein establishing the virtual assistant session with the mobile banking application executing on the mobile device comprises authenticating at least one authentication credential associated with an online banking account;
• receive an assistance message from the mobile device requesting assistance;
• identify, using a machine learning model, an intent of the assistance message;
• generate a response message based on the intent of the assistance message;
• and
• send the response message and one or more commands directing the mobile device to output an audio response file based on the response message to the mobile device, wherein sending the response message and the one or more commands directing the mobile device to output the audio response file based on the response message causes the mobile device to convert the response message into the audio response file and output the audio response file.