Book a demo The Super Intelligence
layer for banks and NBFCs
Voice India Super Intelligence reads every account, call and policy you already hold, works out the next best action, and carries it out through any communication channel.
Your bank already knows. Your next call doesn’t.
Data sits in the LMS, CRM, dialler and bureau.
None of it reaches the conversation.
- In the picture
- accounts
- the next call
In the picture, the planet breaks into four pieces, and each settles into the texture of one system: the LMS a ledger, the CRM a cluster of customers, the dialler call bars, the credit bureau a dense grid. The next call sits alone in the cross between them.
Every account, call and policy, in one view.
Your records, the credit bureau, bank data customers choose to share, and every past conversation.
Signals in, decisions out.
- In the picture
- accounts
- R. Kumar
- policy and consent
In the picture, the four pieces fold back into one planet, in first light, with R. Kumar as one orange grain on it. Shared bank data comes in through a green gate of consent, under the green line of policy.
The next best action, with its reason.
Don’t ask for the 30th when the salary lands on the 5th.
Confirm 5 Nov as the payment dateCall again tomorrow
Voice AI · Tamil10:30–12:00
- The 30 Oct promise was brokenLMS
- “I can pay after my salary comes in.”Earlier call
“Shall we fix the 5th, once your salary has come in?”
R. Kumar is a fictional customer. Illustrative.
- In the picture
- the next action
- consent
- the broken promise
In the picture, the planet sets and one grain, R. Kumar, rises out of it and opens into his month as a dial: today, 1 November, at the top, the promise he broke on 30 October, a band where his salary lands on the 3rd to 5th, shared with consent, and an orange arc from today to the 5th.
Every morning, for every account.
Spot stress weeks before the first missed EMI.
Each grain is about 10 loans, in an illustrative book of 3,20,000.
- In the picture
- accounts
- under stress
In the picture, the book up close: the edge of the planet, every grain an account. Morning light comes round it, and the accounts under stress turn orange as it reaches them, R. Kumar among them.
Who to call today, and how.
A channel, an hour and a reason for each account. Never outside 8 am–7 pm.
38,000 accounts are due today. Each grain is about 10 accounts.
- In the picture
- a call
- flagged first
- calling hours
In the picture, the book falls away and today’s accounts rain into a grid of the hours from 8 am to 7 pm, in three rows: Voice AI, telecaller and WhatsApp. The accounts under stress make one warm block at 8 am, and green walls close both ends of the day.
“Why then, and not now?”
SI remembers the rule behind every past decision, and what has changed since.
Customer, translated from Tamil
“In 2023 you took back the extra interest when I paid late. Why can’t you do that now?”
- 14 Apr 2023
- ₹1,240 penal interest reversed under policy v2.3. He paid within 5 days, and it was his first delay in a year.
- Apr 2024
- RBI penal charges rule: a flat charge, not added to the rate. Waivers need a supervisor (policy v5.1).
- 1 Nov 2026
- 12 days late, with 2 late payments this year. Neither condition holds.
Suggested answer
“That was possible under the rules in 2023. Since April 2024 the late charge works differently, and a waiver needs my supervisor’s approval. I can request that review for you today.”
Regulation: RBI circular on penal charges, 18 Aug 2023.
Regulation: RBI circular on penal charges, 18 Aug 2023.
- In the picture
- past decisions
- today’s case
- the rule
In the picture, four years as a chart of days late, under a green rule that steps down in April 2024. The five days of 2023 stand under the old level; today’s twelve days stand over the new one, and an orange thread runs up from R. Kumar to a supervisor’s review.
Feature 1 of 4
Through Voice AI and your telecallers.
AI makes the routine calls. People take the ones that need judgement, with full context.
- In the picture
- the two lanes
- a live call
In the picture, a fine, even wave of Voice AI carries most calls, and a slower, wider wave of people the few that need judgement. R. Kumar’s live call rides the fine Voice AI wave; the voice speaks there.
Feature 1 of 4, continued
The handoff carries the whole story.
Nobody asks for the loan number again.
Transcript
Customer I had spoken to someone earlier. I can pay after my salary comes in.
Telecaller I understand you’ve already discussed this with us. Let’s confirm a date that works.
Customer The 5th should be possible.
Super Intelligence
Objection · earlier contact Mood · frustrated → cooperative 08:00–19:00 · disclosure read- In the picture
- the call
- its three facts
In the picture, R. Kumar’s call drops from the Voice AI lane onto a telecaller’s lane, and three facts travel with it: his loan and language, the promise of 30 October he broke, and when his salary lands.
Feature 2 of 4
Only what you allow. Only when it’s allowed.
Consent, RBI calling hours, holds for hardship, and every call recorded.
Follows all RBI regulations
SI’s advice: confirm 5 Novcall again tomorrow
Withdrawing consent removes shared data and changes SI’s advice for R. Kumar.
- In the picture
- the calling window
- today’s calls
- shared data
In the picture, the green rule closes into a ring: a 24-hour dial with noon at the top, lit from 8 am to 7 pm, with a tick at now. At its heart is the bank data the customer shared; inside the ring runs one orange track of the day’s calls, with R. Kumar on it, and the voice speaks there only while the window is open.
Feature 3 of 4
Unreachable isn’t the end of the story.
SI reconnects only through channels the customer gave you. No contact lists. No payment tracing.
- WhatsAppopted in, Jun 2024
- Alternate numbergiven at top-up, Mar 2025
- Phone contactsnever read
- Next WhatsApp in Tamil, 10:30–12:00
18,000 unreachable accounts. Each grain is about 10.
- In the picture
- unreachable
- channels given
- came home
In the picture, grey groups of unreachable accounts wait in the sky. Green threads, the channels the customers gave, run from some of them down into the horizon; one call is on its way along a thread, and one group has come home.
Feature 4 of 4
Works with what you already run.
LMS, CRM, core banking, dialler, WhatsApp and payments, connected through Resonance 360.
Available connectors are confirmed for each deployment.
- In the picture
- your systems
- the voice of SI
In the picture, the systems from the start return to the corners they held when the planet broke, with core banking, WhatsApp and payments, each joined by a spur to one ring around a small lit planet, with the voice on it.
Collect earlier. Lend smarter. Keep your best customers.
The same signals that protect the book also grow it.
- Collect earlier
- Stress flagged before the first missed EMI.
- Lend smarter
- Top-ups for customers with 12+ on-time EMIs.
- Keep your best customers
- A retention call when good payers shop elsewhere.
- In the picture
- accounts
- action taken
- with consent
In the picture, the eclipse is over: the sun comes up on the horizon, and one stream of grains rises out of it and fans into three strands, one for each outcome, with a green gate on the strand for offers.
Live today.
What you can see working in a demo.
- Voice AI in 16 Indian languagesLive
- AI-augmented contact centre, MumbaiLive
- Salesforce, Zoho and MoEngage connectorsLive
Certified and audited
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SOC 2Sprinto -
ISO 9001Quality -
ISO 22301Continuity -
VPATAccessibility
In the picture, the systems fold down into the daylight horizon, and the voice rests on its crown under the green line of policy.
Start with one use case and one language.
See what SI decides for your accounts, and why.
In the picture, the planet rises out of the horizon into the frame the page began with, now in daylight: an ink line along its limb, the voice lifting at its crown under the green rule, and one slice of it lit, from the voice down.