Pand.AI

What Pand.AI does

Pand.ai is a Singapore-based conversational AI company founded in 2016 that builds multilingual chatbot platforms targeted primarily at the banking, financial services, and insurance (BFSI) sector across Southeast Asia. Its core technology is a proprietary Natural Language Processing engine called TE01, built on a Transfer-Learning methodology that the company reports reduces intent classification error rates by up to 25% compared with prior approaches, with a Thai-specific variant (TT01) developed in partnership with Bangkok Bank. The platform supports English, Chinese (Simplified and Traditional), Bahasa Malaysia, Bahasa Indonesia, Thai, and regional colloquialisms such as Singlish, Manglish, and Tinglish, and is deployable across messaging channels including WhatsApp, Facebook Messenger, WeChat, Line, Telegram, Slack, Microsoft Teams, and custom web widgets.

The product portfolio centers on the Pand.ai Chatbot Platform, complemented by an Admin Portal, a real-time Data Visualization Dashboard, contextual memory with multi-dimensional search, and a managed Community Manager service. In July 2022, the company extended into regulated insurance distribution through GINA.sg, a licensed WhatsApp-based insurance broker in Singapore that partners with MSIG, Allianz, Etiqa, FWD, and other carriers to sell motor and travel insurance. Customer references span AIA, CIMB, Great Eastern, Allianz, Bangkok Bank, Schroders, Tokio Marine, MSIG, Etiqa, Prudential, and UBS.

Pand.ai operates an enterprise field-sales go-to-market with a 3-month customized pilot program that includes bi-weekly model updates, followed by ongoing subscription-style support. Revenue is generated through professional services for implementation, recurring fees for ongoing support and platform access, and transaction-based economics via GINA.sg. The company holds Singapore Certified FinTech status, MAS recognition, ISO 27001:2013, SOC1, SOC2 Type 2, and PCI DSS certifications, and has been recognized by Gartner Asia/Pacific in 2020 and 2021 as a vendor with key advances in virtual assistant capabilities. Operating from Singapore with offices in Malaysia, Taiwan, and Thailand, Pand.ai employs roughly 15-16 people and has disclosed US$1 million in seed funding from an unnamed angel investor.

Name

Pand.AI

Legal name

Pand.ai Pte Ltd

Website

https://pand.ai

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Pand.ai is a Singapore-based conversational AI company that builds multilingual NLP chatbot platforms primarily for Southeast Asian banks and insurers, using its proprietary TE01 Transfer-Learning engine and the GINA.sg WhatsApp insurance brokerage.

Ownership category

akta.pro rank

Product category

Conversational AI Platform

NAICS

Custom Computer Programming Services (541511), Computer Systems Design Services (541512)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming Services (7371)

akta.pro primary industry

Conversational AI Platforms (chat/voice bots, orchestration) (HDAAAFAC)

akta.pro secondary industries

Machine Translation & Multilingual NLP (HDAAADAD), Contact Center Speech AI (agent assist, IVR automation) (HDAAAFAL)

Keywords

• Conversational AI platform
• Natural language processing
• Multilingual chatbot solutions
• AI chatbot development
• BFSI automation software

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Chatbot Development and Implementation: Custom chatbot development services including initial consultation, industry research, proposal and model creation, and implementation. The company offers a pilot program where they use client data to update and improve the chatbot every two weeks for the first 3 months.
2. Post-Launch Support and Maintenance: Ongoing professional services including Community Managers for bot upkeep, analytics support, and maintenance after the pilot program completion.
3. GINA.sg Insurance Brokerage Platform: Singapore's first licensed WhatsApp insurance broker enabling insurance companies to sell motor and travel insurance through WhatsApp. Revenue likely comes from transaction fees or commissions on insurance policies sold through the platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Pand.AI develops AI-powered conversational chatbots with proprietary natural language processing (NLP) technology specifically trained for Southeast Asian languages including English, Chinese, Bahasa Malaysia, Bahasa Indonesia, and Thai, along with regional colloquialisms. The company builds and deploys multi-channel chatbot solutions across messaging platforms for blue-chip financial institutions in Southeast Asia, complemented by its GINA.sg licensed WhatsApp insurance brokerage platform. Offerings include a 3-month customized pilot program, ongoing managed services through dedicated Community Managers, and language-specific custom engines such as TT01 for Thai.

Product overview

Pand.AI offers a unified chatbot platform with proprietary NLP technology specifically trained for Southeast Asian consumers. The core offering consists of the Pand.ai Chatbot Platform supporting 6 languages (English, Chinese, Bahasa Malaysia, Bahasa Indonesia, Thai, and Singlish) across multiple messaging channels. The platform is complemented by the Admin Portal for no-coding chatbot management, Data Visualization Dashboard for real-time analytics, and Multi-Dimensional Search with contextual memory. The company also operates GINA.sg as a licensed WhatsApp insurance broker sub-brand. Services include a 3-month Pilot Program with bi-weekly updates and Community Managers for ongoing support. The technology has been deployed across leading financial institutions in Southeast Asia including AIA, CIMB, Tokio Marine, Great Eastern, and Bangkok Bank.

Differentiator

Problem solved

Functional benefit

Brands

• GINA.sg: Singapore's first licensed WhatsApp insurance broker, an English-Chinese bilingual platform enabling insurance companies to sell motor and travel insurance through WhatsApp. Partners include Great Eastern, Allianz, Etiqa, FWD, and MSIG.

Products and services

• Pand.ai Chatbot Platform AI-powered conversational chatbot platform with proprietary NLP trained for Southeast Asian languages, supporting multi-channel deployment across messaging platforms with multilingual capabilities in English, Chinese, Bahasa Malaysia, Bahasa Indonesia, Thai, and regional colloquialisms. Designed for enterprise customers in BFSI and other sectors.
• GINA.sg WhatsApp Insurance Brokerage Platform Singapore's first licensed WhatsApp insurance broker platform enabling end-to-end insurance purchasing through WhatsApp in English-Chinese bilingual format, supporting motor and travel insurance sales by partner insurers including Great Eastern, Allianz, Etiqa, FWD, MSIG, and Prudential.
• Community Managers Managed Service Managed services offering providing dedicated Community Managers for ongoing bot upkeep, maintenance, data analysis support, and analytics assistance for enterprise chatbot deployments.
• Pilot Program 3-month initial engagement program that monitors analytics, reports bot performance patterns, and provides chatbot updates every two weeks using client data, designed to validate outcomes for new enterprise customers before broader rollout.
• Professional Services Consulting and implementation services including initial consultation, industry research, chatbot model creation, and proposal delivery to support enterprise customer deployments.

Quantifiable outcome

• Reduced cost per lead by more than 90% for ATM software at Standard Chartered
• +12 more outcomes

Named customers13 records

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability6 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and flagship.

• Bangkok BankcoreStrategic or Co-development Partner · 1 January 2021Bangkok Bank and Pand.ai co-developed TT01, the first in-house built advanced Thai conversational AI engine. The chatbot achieved up to 96% accuracy rate in internal tests and represents Bangkok Bank's digital transformation initiative for customer service.
• Great Eastern Life SingaporecoreStrategic or Co-development Partner · 1 January 2019Pand.ai won a competitive open tender to build an AI chatbot for Great Eastern Life Singapore. The resulting GERICA chatbot is the first integrated AI chatbot offered by GELS for its agents to perform enquiries like claim status check and policy details.
• SchroderscoreStrategic or Co-development Partner · 1 January 2018Pand.ai co-developed Schroders GO, Asia's first asset manager Facebook chatbot. The chatbot allows clients to access fund information and market data through Facebook Messenger, backed by deep learning and natural language processing capabilities that enable self-learning and answering of three-dimensional questions.
• Tokio Marine Life Insurance SingaporecoreStrategic or Co-development PartnerPand.ai developed TOMI chatbot for Tokio Marine Life Insurance Singapore - the industry's first self-learning chatbot for advisers and the first chatbot in Singapore to support an insurer's recruitment process.
• Allianz (GINA.sg Partner)flagshipChannel Partner/ Reseller/ DistributorAllianz is a partner in GINA.sg, Singapore's first licensed WhatsApp insurance broker. Insurance companies partner with Pand.ai to sell motor and travel insurance through the WhatsApp platform, reaching customers through a convenient one-stop method.
• Etiqa (GINA.sg Partner)flagshipChannel Partner/ Reseller/ DistributorEtiqa is a partner in GINA.sg, Singapore's first licensed WhatsApp insurance broker. Through this partnership, Etiqa offers motor and travel insurance products via WhatsApp.
• MSIG (GINA.sg Partner)flagshipChannel Partner/ Reseller/ DistributorMSIG is a partner in GINA.sg, Singapore's first licensed WhatsApp insurance broker, providing motor and travel insurance products through the WhatsApp chatbot platform.
• FWD (GINA.sg Partner)coreChannel Partner/ Reseller/ DistributorFWD is a partner in GINA.sg, Singapore's first licensed WhatsApp insurance broker, offering insurance products through the WhatsApp platform.
• IMDA (Infocomm Media Development Authority of Singapore)coreGTM or Marketing PartnerPand.ai is part of IMDA's GenAI Sandbox, which allows companies to leverage government subsidies to transform their businesses with AI solutions. This partnership enables Pand.ai to offer AI front desk solutions with government support.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Active.Ai: Conversational AI platform purpose-built for BFSI, including banks and insurers across Asia. Direct peer given shared BFSI focus and conversational AI tooling, with comparable customer base in Southeast Asia and India.
• Cognigy: Enterprise conversational AI platform with low-code tooling, multilingual support, and contact center automation. Comparable as a direct enterprise chatbot vendor competing for similar BFSI and large-enterprise RFPs.
• Yellow.ai: Well-funded conversational AI platform offering multilingual chatbots and voice bots for enterprise customer service and sales. Comparable to Pand.AI as a direct enterprise chatbot vendor, though Yellow.ai operates at significantly greater scale and broader global footprint.
• Verloop.io: Conversational AI platform specializing in customer support automation for BFSI, e-commerce, and travel, with strong multilingual support including Bahasa. Direct competitor to Pand.AI in the SEA enterprise chatbot market.
• Kasisto: Conversational AI platform purpose-built for financial services (KAI platform), deployed at global banks. Direct peer given shared BFSI conversational AI specialization and enterprise deployment model.
• Haptik: Conversational AI platform serving enterprise customers across BFSI, telecom, and retail with AI agents and analytics. Comparable in offering multilingual chatbots and BFSI vertical focus, though primarily India-anchored.
• Yellow Messenger (now Yellow.ai): Listed once more under the prior brand to highlight overlap; Yellow.ai's enterprise chatbot and voice automation capabilities overlap directly with Pand.AI's Pand.ai Chatbot Platform.

Emerging players

• Senseforth.ai: Conversational AI platform with a BFSI-vertical focus and multilingual capabilities across Indic and global languages. Comparable niche focus on financial services conversational automation with smaller scale than top-tier incumbents.

Broad incumbents

• LivePerson: Established enterprise messaging and conversational AI vendor with broad BFSI deployments. Comparable capability set, but LivePerson operates as a global incumbent with a much wider product portfolio than Pand.AI's regional focus.
• Gupshup: Conversational AI and messaging platform supporting enterprise chatbots across messaging channels (WhatsApp, SMS, RCS). Comparable multi-channel chatbot deployment capabilities, though Gupshup serves a broader vertical mix at global scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/PandAI-631206447034365
• LinkedInlinkedin.com/company/pand.ai

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pand.AI