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MoneyWise Government Financial Literacy Assistant

MoneyWise Government Financial Literacy Assistant

AI Agent for Government Financial Literacy and Investor Education Programs

State securities agencies and financial regulators face an enormous challenge: millions of citizens need access to investor education and fraud prevention resources, but call centers and in-person workshops cannot scale to meet demand. This AI agent is modeled after Indiana's MoneyWise program, which helps citizens understand investment risks, identify securities fraud, and access financial literacy resources through a guided conversational experience. Deployed on government websites, the agent answers common investor questions, routes citizens to the right regulatory filings or complaint processes, and provides 24/7 access to financial education materials that would otherwise require a phone call during business hours.

Chosen by 800+ global brands across industries

MoneyWise Government Financial Literacy Assistant

Use Cases

Measurable public impact

Deploying an AI agent for financial literacy programs delivers measurable outcomes for both citizens and agency operations.

Reduced call center volume

Government agencies that deploy conversational AI for citizen-facing services consistently report significant reductions in routine call volume. The State of Indiana reduced monthly calls by over 4,000 after implementing Tars agents across multiple departments. For a securities agency fielding thousands of calls monthly about broker registration, fraud reporting procedures, and financial education resources, automating these repetitive inquiries frees investigators and program staff to focus on enforcement actions and high-value citizen interactions that genuinely require human expertise.

Expanded program reach without expanded headcount

Financial literacy programs are chronically underfunded relative to demand. The CFPB estimates that only a fraction of adults who need financial education ever access it through government channels. An AI agent extends your program's reach to every citizen who visits your website, at any hour, in a format that adapts to their specific questions. Gartner projects that 80% of governments will deploy AI agents for routine citizen interactions by 2028. Agencies that move early establish the infrastructure and institutional knowledge to handle that scale effectively.

Faster fraud reporting and early detection

When citizens encounter a potential investment scam, speed matters. Every day a fraudulent scheme continues operating means more victims and more losses. By making the fraud reporting process conversational and accessible rather than requiring citizens to navigate complex government websites, agencies can increase the volume and speed of tips. The complaint data collected through the AI agent also creates a structured dataset that can reveal emerging fraud patterns, geographic clusters, or repeat offenders faster than unstructured email or phone-based intake.

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MoneyWise Government Financial Literacy Assistant

MoneyWise Government Financial Literacy Assistant

features

Purpose-built for public financial education

Capabilities designed around how state securities agencies and financial regulators actually serve citizens.

Investor education at scale

The agent delivers structured financial literacy content through guided conversations rather than static PDF downloads or dense web pages. Citizens can ask about topics like the difference between stocks and bonds, how to evaluate a financial advisor's credentials, or what to look for in a retirement plan, and receive clear, plain-language explanations. This conversational approach to financial education has been shown to increase engagement compared to traditional web content, particularly among populations with lower financial literacy. According to FINRA's National Financial Capability Study, roughly 53% of U.S. adults feel anxious about their finances, creating massive demand for accessible educational resources.

Fraud awareness and reporting guidance

Investment fraud costs Americans billions annually, with the FTC reporting over $10 billion in consumer fraud losses in 2023 alone. The AI agent helps citizens recognize common fraud schemes like Ponzi schemes, affinity fraud, and unregistered securities offerings, and walks them through the steps to report suspicious activity to the appropriate state or federal authority. Rather than burying fraud reporting forms deep in a government website, the agent surfaces the right process through a few simple questions about what the citizen experienced.

Broker and advisor verification assistance

One of the most common questions citizens bring to state securities agencies is whether a particular broker or investment advisor is properly registered. The agent guides citizens through the verification process, explaining how to use tools like FINRA BrokerCheck or their state's securities registration database. It can also explain what different registration types mean and what recourse a citizen has if they discover their advisor is unregistered or has disciplinary history.

Complaint intake and triage

When a citizen needs to file a formal securities complaint, the AI agent collects preliminary details about the issue, the parties involved, and the type of investment product in question. This pre-screening reduces the workload on investigative staff by ensuring complaints arrive with sufficient context for initial triage. The State of Indiana's Secretary of State office, which inspired this MoneyWise agent, saved over $500,000 and reduced inbound calls by more than 4,000 per month after deploying Tars AI agents for citizen-facing services.

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How

MoneyWise Government Financial Literacy Assistant

works

Rapid deployment

Get a citizen-facing financial education AI agent live on your state or agency website in three steps.

MoneyWise Government Financial Literacy Assistant

FAQs

Frequently Asked Questions

How does a government financial literacy AI agent comply with public sector data security requirements?

Tars is SOC 2 Type 2 certified, ISO 27001 compliant, and supports GDPR requirements. All citizen data is encrypted in transit and at rest. For government agencies, this means the AI agent meets the security standards required for handling personally identifiable information that citizens share during fraud complaints or financial education interactions. Tars also supports deployment configurations where sensitive data remains within your agency's approved infrastructure.

Can the MoneyWise AI agent handle multiple financial literacy topics in a single conversation?

Yes. The agent uses conditional branching to adapt the conversation based on citizen responses. If someone starts by asking about investment fraud but then asks how to verify their broker's registration, the agent seamlessly transitions between topics. This mirrors how a real financial educator would handle an in-person consultation, following the citizen's needs rather than forcing them into a rigid, single-topic flow.

How does this AI agent differ from just putting financial literacy PDFs on a government website?

Static content requires citizens to know what they are looking for and navigate to the right page. An AI agent meets citizens where they are by asking a few questions about their situation and then delivering the specific information they need. Research consistently shows that interactive, conversational formats produce higher engagement and comprehension than passive document downloads. For a topic like investor education, where citizens often do not know the right terminology to search for, a guided conversation is significantly more effective at connecting people with the resources they need.

What integrations does the government financial literacy bot support for case management?

The Tars agent integrates with government-relevant platforms including Tyler Technologies, CivicPlus, and OpenGov through direct connections or Zapier workflows. For case management specifically, complaint data captured during conversations can be pushed to your existing ticketing or case management system via webhook, email notification, or CRM integration with tools like HubSpot or Salesforce. Citizen interaction logs can also flow into Google Sheets or Airtable for agencies that need lightweight tracking without a full CRM.

How long does it take a government agency to deploy a financial literacy AI agent?

Most agencies can have a configured and tested financial literacy agent live within days, not months. The conversational flow is pre-structured around common investor education topics, fraud awareness scenarios, and complaint intake processes. Your team customizes the content to reflect your state's specific programs, regulatory framework, and reporting requirements. Tars handles the technical deployment, so your agency does not need dedicated IT development resources to get the agent running on your website.

Can this agent serve citizens who speak languages other than English?

Tars AI agents support multilingual conversations, which is critical for government agencies serving diverse populations. You can configure the agent to detect a citizen's preferred language or offer a language selection at the start of the conversation. For financial literacy programs specifically, reaching non-English-speaking populations is a significant equity consideration, since these communities are disproportionately targeted by investment fraud and have fewer resources for financial education.

What metrics can our agency track with the government financial literacy AI agent?

The agent provides detailed analytics on conversation volume, completion rates, topic distribution, and citizen satisfaction. Your agency can see which financial literacy topics generate the most questions, where citizens drop off in the fraud reporting flow, and how many interactions result in formal complaint submissions versus self-service resolution. These metrics help justify program funding by demonstrating measurable citizen engagement and can reveal emerging trends like seasonal spikes in specific fraud types.

Is this AI agent suitable for both state-level securities agencies and local government financial programs?

Yes. While the MoneyWise agent is modeled after a state-level securities education program, the conversational framework adapts to any government entity that provides financial literacy services. County-level consumer protection offices, municipal financial empowerment centers, and regional workforce development agencies have all deployed similar AI agents to extend their program reach. The content and regulatory references are fully customizable to your jurisdiction.

Real results, real customers, real stories

“We're saving an average of 4,000+ calls a month.”
Implementing an Agent revolutionized our customer service channels and our service to Indiana business owners. We're saving an average of 4,000+ calls a month and can now provide 24x7x365 customer service️ along with our business services.
Lindsey Roark Mayes
Ex-Director of SOS IT (State of Indiana)
“Cutting down on staff needing to email back.”
Since our launch of Tars Agents, we've had more than 5k interactions with them from individuals on the website. We saw prospects interacting with the Agent regarding application timelines, tuition, curriculum, and other items that may come through an email. This provides another avenue of access to our team while cutting down on staff needing to email back.
Levi Eastwood
Marketing Director of UCI Merage School
“Powerful tool - and there's so much more still to explore!”
I love the flexibility of the TARS chatbot design tool. The ability to drop in a new gambit and easily de-link and re-link gambits before and after it saves HOURS of time lost if I had to regenerate from scratch. TARS stands out for its flexibility, consistent performance, and outstanding support.
Aaron Rittmaster
Founder
“I like the product.”
Takes those boring forms and allows you to make the collecting of customer information enjoyable for the user. It has a lot of value and I see the company constantly working on improving it.
Pierre Rattini
Director of Marketing
“Very responsive and supportive Team”
I love how supportive and responsive the team members are. The chatbots are not difficult to build once you have an idea of what you are doing, and this is so based on the backend work Tars has completed. Also, they are flexible to the clients' requests.
Keisha Cameron
Product Manager
“Easy for cooperation and open to agreement.”
One of the biggest qualities of TARS is their ability to truly understand their clients' needs. They took the time to thoroughly assess our requirements, offering valuable insights and recommendations that we hadn't even considered. This level of personalized attention made a significant difference in the success of our project.
Milica Petrovic
Customer Care Project Associate
“Great service”
The guys at Tars are so passionate about bots and maximum engagement. Tars is overall a great product with really nice people there to help me engage and automate conversations I would have otherwise missed.
Nigel Gosling
Health Coach
“Best in class for lead generation”
TARS is an essential tool within our lead gen strategy. I started to use it a couple years ago, and the platform evolved to focus on results. You can integrate your Google Analytics, Facebook Pixel, and AdWords conversion tag to track results and measure your campaign. You can also integrate with Zapier, which opens a lot of possibilities. Compared with static landing pages, we have seen an increase in conversions and more engagement.
Leonardo Wolff
Founder
“Very professional and cooperative”
Building an automated chat that our customers actually used and reduced calls amount.
Maryam Alhaddad
Customer Journey Designer
“Flexibility and good service”
Tars platform is very flexible, so you can do pretty much any flux you desire. Also integrates with any third party through APIs with a very simple and easy-to-use interface. Also tars team is great! Always at disposal and brings suggestions and solutions for any issue encountered during the process of building the chatbot.
Lucas Von Lachmann
Process Manager
“Deserved The title of the Best Chatbot of the Year”
If you are building chatbots, you cannot go wrong with TARS. I have been with this company since their beginning. Seen how they have grown. I have tested a lot of bots, but this one is still the best out there. We use WhatsApp a lot for our business. And what I like best is that I can have 1 chatbot for website and for my WhatsApp. I especially appreciate their support team as well. Whenever I am stuck, they quickly reply to my questions.
MJ Felix
Chairman
“Advanced integration, easy to use, and very customizable.”
This chatbot does everything from AI integration to complete customization and is excellent for lead conversion in most industries. I think the pre-formatted templates are an excellent boost to get started quickly. The team is also excellent.
Rachel Rowling
Chief Operating Officer
“The chatbot implementation has exceeded expectations!”
The implementation has delivered 24/7 customer support and is proving its value by reducing Contact center calls by around 5% in just four months of operation. Beyond enhancing the e-care experience, the chatbot is driving impressive business results, achieving a remarkable 20% month-on-month growth.
Victor Pereira
Customer Care and CX Manager
“We're saving an average of 4,000+ calls a month.”
Implementing an Agent revolutionized our customer service channels and our service to Indiana business owners. We're saving an average of 4,000+ calls a month and can now provide 24x7x365 customer service️ along with our business services.
Lindsey Roark Mayes
Ex-Director of SOS IT (State of Indiana)
“Cutting down on staff needing to email back.”
Since our launch of Tars Agents, we've had more than 5k interactions with them from individuals on the website. We saw prospects interacting with the Agent regarding application timelines, tuition, curriculum, and other items that may come through an email. This provides another avenue of access to our team while cutting down on staff needing to email back.
Levi Eastwood
Marketing Director of UCI Merage School
“Powerful tool - and there's so much more still to explore!”
I love the flexibility of the TARS chatbot design tool. The ability to drop in a new gambit and easily de-link and re-link gambits before and after it saves HOURS of time lost if I had to regenerate from scratch. TARS stands out for its flexibility, consistent performance, and outstanding support.
Aaron Rittmaster
Founder
“I like the product.”
Takes those boring forms and allows you to make the collecting of customer information enjoyable for the user. It has a lot of value and I see the company constantly working on improving it.
Pierre Rattini
Director of Marketing
“Very responsive and supportive Team”
I love how supportive and responsive the team members are. The chatbots are not difficult to build once you have an idea of what you are doing, and this is so based on the backend work Tars has completed. Also, they are flexible to the clients' requests.
Keisha Cameron
Product Manager
“Easy for cooperation and open to agreement.”
One of the biggest qualities of TARS is their ability to truly understand their clients' needs. They took the time to thoroughly assess our requirements, offering valuable insights and recommendations that we hadn't even considered. This level of personalized attention made a significant difference in the success of our project.
Milica Petrovic
Customer Care Project Associate
“Great service”
The guys at Tars are so passionate about bots and maximum engagement. Tars is overall a great product with really nice people there to help me engage and automate conversations I would have otherwise missed.
Nigel Gosling
Health Coach
“Best in class for lead generation”
TARS is an essential tool within our lead gen strategy. I started to use it a couple years ago, and the platform evolved to focus on results. You can integrate your Google Analytics, Facebook Pixel, and AdWords conversion tag to track results and measure your campaign. You can also integrate with Zapier, which opens a lot of possibilities. Compared with static landing pages, we have seen an increase in conversions and more engagement.
Leonardo Wolff
Founder
“Very professional and cooperative”
Building an automated chat that our customers actually used and reduced calls amount.
Maryam Alhaddad
Customer Journey Designer
“Flexibility and good service”
Tars platform is very flexible, so you can do pretty much any flux you desire. Also integrates with any third party through APIs with a very simple and easy-to-use interface. Also tars team is great! Always at disposal and brings suggestions and solutions for any issue encountered during the process of building the chatbot.
Lucas Von Lachmann
Process Manager
“Deserved The title of the Best Chatbot of the Year”
If you are building chatbots, you cannot go wrong with TARS. I have been with this company since their beginning. Seen how they have grown. I have tested a lot of bots, but this one is still the best out there. We use WhatsApp a lot for our business. And what I like best is that I can have 1 chatbot for website and for my WhatsApp. I especially appreciate their support team as well. Whenever I am stuck, they quickly reply to my questions.
MJ Felix
Chairman
“Advanced integration, easy to use, and very customizable.”
This chatbot does everything from AI integration to complete customization and is excellent for lead conversion in most industries. I think the pre-formatted templates are an excellent boost to get started quickly. The team is also excellent.
Rachel Rowling
Chief Operating Officer
“The chatbot implementation has exceeded expectations!”
The implementation has delivered 24/7 customer support and is proving its value by reducing Contact center calls by around 5% in just four months of operation. Beyond enhancing the e-care experience, the chatbot is driving impressive business results, achieving a remarkable 20% month-on-month growth.
Victor Pereira
Customer Care and CX Manager

Privacy & Security

We’ll never let you lose sleep over privacy and security concerns

At Tars, we take privacy and security very seriously. We are compliant with GDPR, ISO, SOC 2, and HIPAA.

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