Built for banks, lenders and insurers · Patent-pending architecture

Compliant outreach at scale. Every call on script.

A payment is five days overdue. Our AI calls in the customer's language, confirms the amount, explains the options without a hint of a threat, and logs a promise-to-pay to your CRM: recorded, on-script, inside permitted hours. It sounds like your best agent on their best day, at call 48,000 of the month.

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No contracts · Reply within 1 business day
100%Calls recorded
30+Languages
On-scriptGuardrails
Per-secondBilling
app.Voice AI — account timeline

Account timeline · Case #A-88412

Live
Payment overdue flagged04 Jul · 09:00
Day 5 overdue · auto-segmented to soft-reminder queue · +1 416 ••• 7719
AI reminder call placed04 Jul · 11:20
Inside permitted window · answered · language: English · on-script
Promise-to-pay logged04 Jul · 11:22
Amount confirmed · P2P date: Friday · synced to CRM
Payment link sent04 Jul · 11:23
WhatsApp · paid same day · receipt issued
AI Call Detailscompleted
Phone
+1 416 ••• 7719
Duration
01:55
Disposition
Promise to pay
Compliance
On-script · recorded
The problem with human floors

Agents go off script at call 200.

Compliance incidents in collections share a shape: a tired agent, a long shift, an improvised threat. Human floors drift off script as the day wears on, and one bad call can cost more than a quarter of recoveries. The AI reads the approved script the same way at call 2 and call 48,000, keeps the tone soft, and gets better results for it: on one production book, promise-to-pay rates rose eleven points over the human floor it replaced.

app.Voice AI — outcome analytics

Promise-to-pay rate · early-overdue bucket

Production
AI agent — soft-tone, on-script41%
consistent at call 48,000
Human floor it replaced30%
same bucket, same book
Workloads

Three workloads. Production-ready.

Soft collections & payment reminders

Calls early-overdue customers in their language, confirms the amount, explains consequences neutrally, offers every payment option, and logs the promise-to-pay date to your CRM, with the payment link following on WhatsApp before the call ends.

Call flow: greet and verify the right person → confirm the overdue amount → explain options, never threats → capture a promise-to-pay date → send the payment link → sync to CRM.

KYC follow-up & verification

Calls customers who started but didn't finish onboarding, walks them through document submission on your own secure channel, and escalates to a human only when the customer asks. The agent never handles card numbers, PINs or OTPs; the platform blocks them outright.

Lead qualification & verification

Inbound or outbound. Qualifies income band, product intent and location, routes high-intent applicants to your team with the transcript attached, and drops fraudulent or bot leads at the gate before they touch your underwriting funnel.

Guardrails: no threats, no invented terms Every call recorded for audit Promise-to-pay synced to CRM
Compliance, enforced

Enforced by the platform, not the prompt.

A prompt is a suggestion; a platform rule is a guarantee. Calling windows, attempt caps, blocked topics and script boundaries are enforced in the calling infrastructure itself. The model cannot talk its way around them, and neither can a campaign manager on a deadline.

  • Approved scripts only: invented terms, waivers and threats are blocked, not discouraged.
  • Calling windows and attempt caps: configurable per market, enforced per campaign.
  • Full audit trail: every call recorded and transcribed, with disposition history per account.
  • Operating in India? RBI Fair Practices presets ship ready: no calls after 8 pm, a maximum of three contact attempts per 30 days, DND scrubbing per campaign.
app.Voice AI — campaign policy

Policy · soft-reminder campaign

enforced
Platform-level rules
Calling window
Per-market schedule
Contact attempts
Capped per policy
Recording
100% · retained for audit
Card / PIN / OTP
Hard-blocked
Escalation
Human on request
Script boundary
Approved claims only
India preset: no calls after 8 pmIndia preset: max 3 attempts / 30 daysIndia preset: DND scrubbing
The language advantage

Money is discussed in the mother tongue.

Nobody negotiates a repayment plan comfortably in a second language. The agent detects the customer's language on the first greeting and stays in it, switching mid-sentence when the customer does. Customers who understand the options commit to one.

app.Voice AI — live transcript

Live call · Case #A-91027

in progress
AI Agent · Spanish

Buenos días, ¿hablo con la señora Torres? Le llamo sobre un pago pendiente de su cuenta.

Caller

Sí, soy yo — actually, can we do this in English?

AI Agent · English

Of course. There's a payment of five days outstanding — would you like me to walk you through the payment options, or set a date that works for you?

language detected: Spanishmid-sentence switch: English30+ languages
Case study

A tier-1 lender lifted promise-to-pay by 11 points.

Deployment: tier-1 consumer lender · early-overdue bucket · 48,000 calls a month, fully automated.

Promise-to-pay rate
+11 pts
30% → 41% on the early bucket
Calls a month
48,000
1,200 concurrent capacity
Regulator complaints
0
Six months in production
Collections floor
40 seats
Redeployed to complex cases

"Our promise-to-pay rate went up 11 points, and not because the AI is smarter. It doesn't get tired at call 200."

Head of Collections, tier-1 lender
The full loop

The call is step two of four.

The account becomes a MicroCRM record (Capture). The AI calls, reminds and verifies (Converse). Nudge runs the payment-link follow-up, the P2P-date reminder and the KYC chase (Close). After the account is current, the same record runs cross-sell and renewal conversations (Retain).

01
Capture
The account becomes a record
02
Converse
The AI calls, on script
03
Close
Nudge runs every cadence
04
Retain
Cross-sell and renewals
How the engine works
FAQ

Questions risk teams ask us.

Is this compliant with financial-services calling rules?
Compliance is enforced at the platform level, not the prompt level: approved scripts only, blocked topics, permitted calling windows per market, capped contact attempts, and full recording of every call. For India, the platform ships with RBI Fair Practices presets: no calls after 8 pm, a maximum of three contact attempts per 30 days, and DND scrubbing per campaign.
Does the AI ever ask for card numbers, PINs or OTPs?
Never. The agent is hard-blocked from requesting card details, PINs, OTPs or passwords. Payments happen on your own secure link sent over WhatsApp or SMS, and KYC documents are submitted through your own channel; the call only guides the customer there.
What does it cost?
One per-minute platform rate plus telco at carrier cost, billed per second. A typical reminder call runs about two minutes. See pricing.
Will customers know it is an AI?
The agent identifies itself as an AI whenever asked. Most callers stay on the line: first-word response is under 700ms and the voice rates human-natural.
How fast can we go live?
Upload your approved scripts, set the guardrails with your compliance team, and take a test call the same day. Most lenders run their first campaign within a week of script sign-off.
The engine, end to end

The call is one step. The engine is four.

Voice AI runs step 02 for financial services. The rest of the engine keeps accounts and their records moving.

Step 01 · Capture

MicroCRM

The account becomes a record with full disposition history: every call, promise-to-pay and payment logged against it, audit-ready.

Explore MicroCRM
Step 03 · Close

Nudge

Payment-link follow-ups, P2P-date reminders and the KYC chase. Every account moved forward on the right channel, inside policy.

Explore Nudge
Step 04 · Retain

Back to the record

Once the account is current, the same record runs cross-sell and renewal conversations.

See the full loop

Your book doesn't wait. Neither should the call.

Run it for me

Book a free demo

Put the AI on it. Book a demo and we will run a compliant reminder call on your own test number: on-script, recorded, promise-to-pay logged to your CRM.

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I'll run it myself

Try the app yourself

Upload your approved scripts, set the guardrails with your compliance team, and take a test call the same day. First campaign within a week of sign-off.

Try the app yourself

Tell us which bucket hurts most. We'll show you the on-script reminder call on your own number.