Finance & Fintech

Voice in Financial Services Financial services — banking, NBFCs, insurance, wealth management, stock broking, collections — are among the heaviest users of telephony in India. The industry is characterised by high call volumes, strict regulatory requirements, a need for detailed call records, and communications scenarios that require both automation for scale and human judgment for complexity. Vobiz is built for exactly this combination.

Collections and EMI Management Collections is the use case where telephony ROI is most directly measurable in financial services. Every answered call that results in a payment collected is a quantifiable outcome. Every unanswered call that went to voicemail is a wasted minute. Every call that reached the wrong person is a compliance risk. Vobiz's automated outbound calling with machine detection is the foundation for efficient collections dialling. The system makes calls to thousands of customers daily, skips voicemails using machine detection, connects answered calls instantly to available agents or to an AI voice agent, and logs every contact attempt in the CDR. Agents work only on live, answered calls — not on dialling and waiting. EMI reminder campaigns use Vobiz's text-to-speech capability to personalise every call with the customer's name, due amount, and due date, without pre-recording thousands of individual audio clips. The Gather element captures keypad responses — a payment confirmation, a request to speak to an agent, or a promise-to-pay — and routes each outcome accordingly.

Customer Onboarding and KYC Calls Banks and NBFCs have onboarding calls that require specific scripts, specific consent disclosures, and recorded evidence that the disclosures were made. Vobiz's conference recording capability allows onboarding calls to be fully recorded in stereo, with the agent in one channel and the customer in the other. The transcript is available within minutes of the call ending for review. For digital onboarding flows, an IVR or AI voice agent can handle the initial information collection — name, date of birth, PAN number, consent to terms — before connecting to a human agent for final verification. This reduces the average handle time of onboarding calls significantly and ensures the structured data is captured before the agent engagement begins.