Bhutan
Financial Inclusion
Public Sector
Implementing Organisation
No Mind Bhutan
Bhutan, Thimphu, Thimphu
Implementing Point of Contact
Ugyen Dendup
Co-founder and CEO
Contributor of the Impact Story
Carnegie India
Year of implementation
2022
Problem statement
Banks, government institutions, and airlines increasingly rely on digital channels to deliver essential services, yet many continue to operate on legacy systems with limited customer support capacity. Customers, citizens, and passengers often face long wait times, unclear processes, and inconsistent information when accessing banking services, government programs, or airline support. In banking and government services, users struggle with digital onboarding, service eligibility, documentation requirements, policy interpretation, and application status tracking challenges that disproportionately affect rural and underserved populations. Airlines face high volumes of repetitive customer queries related to bookings, cancellations, refunds, baggage, and flight schedules, leading to operational strain and reduced service quality. This use case deploys AI-powered digital service assistants for banks and government institutions, alongside AI customer support agents for airlines. Built using Natural Language Processing, these AI agents provide instant, multilingual, conversational assistance, resolve high-frequency queries at scale, and escalate complex cases to human agents when required, while integrating with existing systems.
Impact story details
NoMindBhutan is a Bhutan-based AI startup focused on building practical, human-centered artificial intelligence solutions for banks, government institutions, airlines, and education providers. Founded by young technologists and entrepreneurs, the organization addresses real-world service delivery challenges in regions with limited digital infrastructure and legacy IT systems. The organization specializes in AI-powered conversational agents, digital service assistants, and analytics platforms that integrate seamlessly with existing systems. NoMindBhutan emphasizes responsible and cost-efficient AI adoption by optimizing payloads, reducing system complexity, and ensuring privacy-aware deployments suitable for developing-country contexts. Since 2022, NoMindBhutan has deployed AI agents for customer support, digital service guidance, and internal knowledge access across banking, public services, and aviation. These solutions leverage Large Language Model (LLM), Retrieval Augmented Generation (RAG) and Natural Language Processing (NLP) to enable multilingual, always-available assistance while generating actionable insights for service improvement. Beyond enterprise deployments, NoMindBhutan is committed to digital inclusion and equitable access to services. Its approach positions AI as an assistive layer that augments human teams, improves service quality, and scales access without replacing human decision-making.
AI Technology Used
Large Language Model, Retrieval Augmented Generation
Key Outcomes
Efficiency
Productivity, Access
Reach, Inclusion
Equity, User Experience
Satisfaction, Accuracy
Quality Improvement
Narrative Outcome
Public institutions, banks and airlines in Bhutan operate on legacy systems with limited customer support capacity. Citizens face long wait times, unclear processes, and inconsistent information. No Mind Bhutan has deployed AI agents across banking, government, and airline services, serving over 140,000 users and resolving over 725,000 queries. AI-handled customer support interactions have grown by over 400 percent. The platform demonstrates how AI can be used to improve the customer experience without additional staffing needs at scale.
Impact Metrics
AI agents deployed across banking, government, and airline services
Baseline Value
Most services were primarily human-led support systems Number of AI agents
Post-Implementation
7 AI agents were deployed across banking, government, and airline services
Total users supported through AI digital service assistants
Baseline Value
Limited digital self-service access Number of users
Post-Implementation
140 ,280 users were served through AI digital service assistants
Total banking, government, and airline queries resolved
Baseline Value
Queries were resolved manually with long resolution times Number of queries
Post-Implementation
725 ,496 queries were resolved across services
Year-on-year growth in AI-assisted service usage
Baseline Value
Usage statistics from 2024 were considered Percentage
Post-Implementation
More than 38.9% growth was achieved, 39,300 additional users benefitted from the service Percentage
Increase in depth of user engagement
Baseline Value
Engagement was 1.43 messages per user in 2024 Messages per user
Post-Implementation
In 2025, AI agents led to increased user engagement with 5.17 messages being sent per user Messages per user
Growth in AI-handled customer support interactions
Baseline Value
Customer support interaction volume from 2024 Percentage
Post-Implementation
AI-handled customer support interactions increased by more than 402.4% (581,095 additional messages) Percentage
Implementation Context
Bhutan
Bank customers, airline passengers, and citizens accessing government services, including youth, rural users, and underserved populations
Key Partnerships
Banks, government agencies, airlines, and private-sector technology partners
Replicability & Adaptation
1. Localization for language, regulatory context, and service workflows is recommended. 2. Integration requirements may vary depending on existing banking, government, or airline legacy systems
Supporting Materials
* The data presented is self-reported by the respective organisations. Readers should consult the original sources for further details.