AI Agent for Fintech - Convozen AI

A lending operation can lose a borrower at three points: a lead called back too late, a KYC document never chased, and an EMI reminder sent in the wrong language. Each is a conversation problem, and in most teams a different group handles each one.

ConvoZen is an AI agent for fintech that handles these conversations across voice, WhatsApp and email. It serves lenders, banks, insurers and NBFCs facing high call volumes in collections, onboarding and servicing, where every interaction must also be compliant. These AI agents for fintech companies deliver consistent contact at scale and keep human agents for the conversations that need them. As a conversational AI fintech platform, ConvoZen goes beyond answering questions, and its agentic AI for fintech executes workflows end to end.

Where Fintech Teams Use ConvoZen AI Agents

These AI in fintech use cases run on one platform:

Claims follow-ups, dispute updates and fraud-signal monitoring run on the same stack. Teams use ConvoZen as an AI voice agent for fintech on calls and as an AI voice assistant for fintech on WhatsApp voice notes.

How a ConvoZen AI Agent Works, from Call Start to Handoff

As an AI voice agent for financial services, ConvoZen handles each call in seven stages:

1. The call connects. The customer’s call arrives over SIP and streams to ConvoZen’s voice media gateway.
2. Speech is understood. Akshara, ConvoZen’s speech-to-text model, transcribes in roughly 100 ms.
3. The agent decides. Orchestration takes about 40 to 50 ms, drawing on the knowledge base, the customer’s history and tools connected to your CRM and loan systems.
4. The agent answers. Ragini, ConvoZen’s text-to-speech model, generates audio in under 200 ms.
5. Latency is managed. End-to-end latency starts at 850 ms for a light model with light context. Fillers activate beyond 800 ms, so perceived delay stays near 800 ms.
6. The handoff happens. When a conversation needs a person, a SIP agent transfer passes the call and interaction details to a human agent.
7. The record is written. Post-call disposition syncs back to your CRM and feeds dashboards and reports.

A multi-session, omnichannel architecture keeps one customer identity across channels. A borrower who takes an EMI call today and messages on WhatsApp next week meets an agent that already knows the history.

Built for Indian languages and Noisy Calls

Telephony audio is 8 kHz, compressed and often recorded on a street or in a shop. Akshara was pre-trained on 50,000+ hours of audio and fine-tuned on 4,000+ hours of hand-annotated data.

• 8.1% word error rate (WER) on telephonic speech
• 0.05 WER in English and 0.07 in Hindi, with accuracy tested across nine Indian languages
• UPI IDs and Aadhaar read natively, which matters in repayment and KYC calls
• Ragini voices trained on 800+ hours of proprietary Indian voice acting, handling Hindi-English code-switching

ConvoZen Security, Data Flow and Compliance

Financial conversations carry sensitive data, so the architecture is built around separation. Each customer gets a dedicated stack of AI models, and data is classified, localised and logically separated. Customer data remains the customer’s own.

ConvoZen’s compliance posture includes VAPT, ISO, GDPR and HIPAA, with SOC 2 in progress. Compliance guardrails apply during live calls, and the Supervisor layer reviews 100% of human and AI interactions for compliance risk, disclosures and audit-ready quality.

Results from Financial Services Teams

“We couldn’t get the latency and orchestration right in-house with Convozen; it became seamless to test and run multiple use cases with a much more human-like experience.”

• Giridhar Amerlai, Head of AI & Innovation, Jana Bank

Jana’s early voice bots felt robotic, which made sensitive journeys such as pre-approved loans and EMI reminders hard to scale. Lendingkart’s QA coverage had stayed under 10% before it moved to monitoring every interaction.

For teams evaluating an AI agent fintech platform, the test is simple: conversations that run on time, in the right language, with compliance built in and a clean path to a human. ConvoZen delivers that on one agent stack, with results at Jana Small Finance Bank and Lendingkart.

Book a demo to see an agent run one of your workflows.