TenPay Global introduced the AI assistant Xiao Hui in physical outlets, acting as a digital teller for remittances. Its voice-first, multilingual design helps overcome language and literacy barriers, especially for elderly users, while enabling faster transactions and easy scaling across service locations. TenPay received the Best AI Virtual Assistant in Asia Pacific award for Xiao Hui, as the first to bring AI into physical banking environments,  improving accessibility and user experience.