Financial AI · Shared calling platform

LLM Voice Agent

Every outbound call,
a conversation that closes the loop.

One large-model calling platform shared by collections, telesales and customer service. It understands what customers mean, answers with approved scripts, handles interruptions and emotions in real time — and writes every outcome back to your systems.

  • CollectionsReminders, promises to pay, hardship
  • TelesalesLimit increases, reactivation, cross-sell
  • ServiceNotices, follow-ups, surveys
Business lines on one platform
0
Typical response time per turn
<0s
Concurrent calls per cluster
0K+
Calls recorded and inspected
0%

How it works

Six building blocks. One call loop.

From the moment your collections system hands over a list to the moment the result comes back, every step runs on one stack — engagement hub, voice control, telephony, gateway, speech engines and the large-model dialogue robot.

One call, from list to result

The upstream system pushes a list; the hub prepares it and hands it to voice control; telephony dials out. Once the customer answers, speech flows through ASR to the dialogue robot and back through TTS — turn after turn until hang-up.

See a call unfold

One platform. Three very different conversations.

Pick a business line and watch what the agent hears, understands and does — intent, emotion, latency and actions in real time.

call://collections 00:00

Core capabilities

Sounds human. Behaves like your best-trained agent.

Feature-complete against the leading AI calling platforms in Asia and beyond — with the controls a regulated lender needs.

Large-model understanding

Understands free-form answers, accents and digressions, and asks a clarifying question when unsure — no rigid keyword trees.

Compliant by design

The model picks the intent; replies come from approved templates with amounts and dates filled by parameter TTS. Nothing regulated is improvised.

Sub-second turn-taking

Streaming ASR, early intent detection, cached template audio and first-packet TTS keep each reply under a second.

Barge-in, silence & noise

Stops speaking the moment a customer interrupts, re-prompts after silence, filters background noise and detects voice assistants and voicemail.

Emotion-aware handoff

Detects frustration, distress or complaints and transfers to a live agent mid-call — with a summary, so the customer never repeats themselves.

Calling strategy engine

Calling windows, pacing, retry rules, frequency caps, blacklists and do-not-call checks, line selection and caller-ID rotation — per campaign.

Multilingual across APAC

English, Mandarin, Cantonese, Malay, Indonesian, Thai and Vietnamese voices and ASR, with local hot-word libraries.

Recording, QA & reports

Every call recorded, transcribed and quality-inspected; outcomes, PTP rates and costs flow to dashboards in XinBI.

Train, test, improve

Simulate dialogues before launch, label ASR and intents from real calls, and retrain Q&A — accuracy goes up every week.

Built once, shared by every line

A shared platform for the whole customer lifecycle.

Each business line gets its own robots, knowledge base and strategy — on shared lines, engines and governance. A new scenario goes live in days, not quarters.

COLLECTIONS

Collections

  • Pre-due and early-stage reminders
  • Promise-to-pay capture with SMS confirmation
  • Hardship detection and partial-payment offers
  • Stop-calling the moment a payment lands
+18%PTP rate vs. IVR
−60%cost per contact
TELESALES

Telesales

  • Credit-limit increase and loan top-up offers
  • Dormant-customer reactivation
  • Lead qualification and warm transfer
  • Follow-up via WhatsApp or SMS
3×leads screened per day
+25%conversion after handoff
SERVICE

Customer service

  • Repayment, KYC and account notices
  • Complaint follow-up and return visits
  • Satisfaction surveys
  • Fraud and suspicious-activity verification
24/7within permitted hours
90%+calls completed without an agent

Figures are typical results from comparable deployments and depend on your portfolio, lines and scripts.

Why naviai

Beyond the IVR robot.

Rule-based voice robotnaviai LLM Voice Agent
UnderstandingKeywords and fixed flow treesLarge-model intent understanding with clarification
New scenarioWeeks of flow configurationPrompt + knowledge base, live in days
AnswersRigid, one path per nodeNatural, yet always from approved, parameterised templates
Interruptions & emotionTalks over the customerBarge-in, silence handling, emotion-aware transfer
StrategySeparate dialler, manual listsBuilt-in windows, pacing, retries, DNC and line routing
ComplianceSampled recordings100% recording, transcription, QA and audit trail
DeploymentVendor cloud onlyCloud or fully on-premise, with private models and your own lines

Frequently asked questions

QCan the robot say something non-compliant?

No. The large model decides what the customer means; what the robot says comes from scripts your compliance team approved, with amounts, dates and names filled in as parameters. Sensitive topics can be routed straight to a human.

QHow does it connect to our collections or CRM system?

Through three APIs: task submission to push lists, result callbacks for outcomes and recordings, and stop-calling to cancel pending calls instantly — for example when a payment arrives.

QCan we use our own phone lines and numbers?

Yes. The voice gateway connects any SIP trunk or carrier, routes each call to the best line by region, cost and answer rate, and handles rates and billing per line.

QHow do you keep calling within regulations?

The strategy engine enforces permitted calling hours, frequency caps, consent and do-not-call lists per market, and every call is recorded and inspected so you can prove it.

QWhere do recordings and transcripts live?

Wherever you need them: in our Singapore cloud, a dedicated cloud, or entirely on-premise with private ASR, TTS and large models — no audio has to leave your network.

Hear it on your own scripts.

Send us one script from collections, telesales or service. We'll build the robot and call you with it — in your language, on your scenario.

What a pilot looks like

  1. Week 1 · scripts, knowledge base and lines
  2. Week 2 · simulation testing and compliance review
  3. Weeks 3–4 · live calls on a pilot segment
  4. Then · A/B against your current channel
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