MoneyWise Government Financial Literacy Assistant
MoneyWise Government Financial Literacy Assistant
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.





MoneyWise Government Financial Literacy Assistant
Deploying an AI agent for financial literacy programs delivers measurable outcomes for both citizens and agency operations.
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.
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.
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.

MoneyWise Government Financial Literacy Assistant
features
Capabilities designed around how state securities agencies and financial regulators actually serve citizens.
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.
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.
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.
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.
MoneyWise Government Financial Literacy Assistant
Get a citizen-facing financial education AI agent live on your state or agency website in three steps.
MoneyWise Government Financial Literacy Assistant
FAQs
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.
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.
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.
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.
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.
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.
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.
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.








































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