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Say, or key in: "Bank opening time" and it interacts with you remembering which bank(s) you have accounts with and asks: Do you wish to know your local branch hours? press 1 or say "yes"...
If the info is readily available it connects you with a service person. If not it connects to the actual IVR automatically dialing in all the required digits and telling you how long you are expected to wait. When they finally answer, you get called back by the Webphone-Service, while the answering party is told in your voice (message) what the problem is. The answering person's name is stored in the Webphone Service, and for a small extra fee so will the conversation itself and a trancription of it.
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