Tencent Cloud, a cloud unit of Chinese giant Tencent, has partnered with Ryt Bank, an AI-powered bank in Malaysia, to support conversational banking services for everyday payments.

In a statement on Monday, Tencent Cloud said the partnership utilizes Tencent Cloud Chat (IM) as the communication infrastructure behind Ryt Bank’s platform, enabling users to complete banking transactions through conversational commands. The system allows users to perform actions such as transferring money by typing or saying a single instruction instead of navigating multiple banking menus.

The collaboration is part of its effort to simplify digital banking through a “Zero User Interface” model, reducing traditional multi-step banking processes into a single command. Tencent Cloud Chat (IM), which powers the service, is based on messaging technology used across Tencent’s ecosystem and handles more than 550 billion messages daily at peak volumes.

According to Tencent Could, Tencent Cloud Chat (IM) helped Ryt Bank manage a launch-day surge of 50,000 active users without downtime. Ryt Bank has surpassed 1.2 million users within seven months of launch, with many customers using its AI banking assistant, Ryt AI.

Kenneth Siow, Regional Director for Southeast Asia and General Manager for Singapore and Malaysia at Tencent Cloud International, said the partnership reflects growing digital innovation in Southeast Asia and the company’s focus on supporting businesses building next-generation services in the region.

Wilson Soon, interim CEO of Ryt Bank, said Tencent Cloud’s communication infrastructure helped the bank manage high-concurrency transactions and support its AI-powered banking services.

Malaysia’s AI-powered digital lender Ryt Bank surpasses 1.2M users in 7 months of launch