Voice AI for Banks & BFSI Collections, KYC, and support — in English, Hindi, and 12 more Indian languages.

Q: Is it RBI and DPDPA compliant?

Yes. EnableX is built for the Indian regulatory environment: TRAI DND for outbound, RBI guidelines for collections and KYC, DPDPA for customer data, ISO 27001 for security. On-premise deployment available for tier-1 banks where customer voice data must stay inside the institution's network.

Q: Will it work in Hindi, Tamil, Bengali, etc.?

Yes. English, Hindi, plus 12 more Indian languages (Tamil, Telugu, Bengali, Marathi, Gujarati, Kannada, Malayalam, Punjabi, Odia, Assamese, Urdu), plus Mandarin, Bahasa, Arabic, and major global tongues. Code-switching (Hinglish) handled natively. The bot detects the customer's language in 1-2 seconds and continues in it.

Q: How does video KYC work?

The customer starts on WhatsApp or web. The chatbot collects details, captures documents, and verifies basics. When face-match or live verification is needed, the bot escalates to a human agent on a video call inside the same thread. Total time under 4 minutes vs ~20 minutes for traditional VKYC.

Q: How long does it take to deploy?

Cloud or VPC: 4-6 weeks for a single use case (collections or KYC). On-premise: 8-12 weeks including security review. Tier-1 banks typically run a 60-day parallel pilot before full cutover.

Q: Can it integrate with our core banking and CRM?

Yes. Pre-built connectors for Salesforce, MS Dynamics, Oracle, Finacle (read-only via APIs). Custom integrations to FIS, TCS BaNCS, Infosys Finacle, and other core banking systems via REST/SOAP. The bot reads from and writes to these in real time during the conversation.

EnableX delivers an end-to-end conversational AI stack for Indian banks, NBFCs, and fintech: voice AI for collections, WhatsApp banking for self-service, video KYC under 4 minutes, and conversation intelligence for compliance. RBI + DPDPA compliant. On-prem deployment for tier-1 banks.

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Built for Indian private banks, NBFCs, and SFBs: collections, KYC, and customer self-service.

60% lower cost per collection contact

<4 min video KYC turnaround

80% inbound queries resolved by bot

13 Indian languages supported

Where Banks See EnableX Pay for Itself First

Collections

Cut collection costs 60%

Voice AI handles bucket-1 collections in English, Hindi, 12 more Indian languages, Mandarin, Bahasa, plus major global tongues. Captures payment promises, sends WhatsApp links, escalates disputes to a human on video for KYC verification.

WhatsApp banking that works

Balance, last-5 transactions, EMI status, statement download, loan applications. Bot resolves 80%, escalates to video KYC or live agent when needed.

KYC

Video KYC in under 4 minutes

Bot collects details. Video agent verifies face + ID. Total VKYC time drops from ~20 minutes to under 4. RBI-compliant.

How EnableX Maps to a Bank's Day

Collections (B1-B3)

Voice AI in English, Hindi, 12 more Indian languages, Mandarin, Bahasa. Compliant. Outcome-driven.

Outbound voice campaigns for bucket-1 to bucket-3 collections. The bot opens in the customer's language, captures payment promise, sends a WhatsApp payment link in-call, updates the CRM with the outcome. Disputes warm-transfer to a human on chat or video.

English, Hindi, plus 12 more Indian languages, Hindi-English code-switching native
TRAI DND + RBI calling-window enforcement
WhatsApp payment link sent in-call
Auto-debit failure recovery
Real-time CRM write-back

See outbound voice AI

Onboarding + Video KYC

WhatsApp, bot, human on video. Under 4 minutes.

Customer starts on WhatsApp. Bot collects PAN, Aadhaar last-4, address, and income proof. When face-match is needed, the bot escalates to a video call with a verification agent inside the same thread. Total time: under 4 minutes vs ~20 for traditional VKYC.

WhatsApp + web entry points
Document capture + auto-validation
Video escalation in one click
RBI VKYC compliant
Audit trail + recording

See video handoff

Self-service

Tier-1 banking on WhatsApp + voice. 80% deflection.

Balance, last-5 transactions, EMI status, statement download, cheque book request, loan eligibility, card hot-listing. The bot handles 80% of customer queries on WhatsApp or voice. Complex cases escalate to a banker.

Balance + transaction enquiry on WhatsApp + voice
EMI status, statement, FD enquiry
Loan eligibility check
Card hotlist + reissue
Real-time core banking integration

See AI Chatbot

Fraud + Disputes

Verify the customer. Resolve the dispute. On video.

For high-value disputes, suspected fraud, or large transaction reversals, the bot escalates to a video call with a verification agent. Identity is verified live, the dispute is logged with full context, and resolution starts immediately.

Voice / chat → video escalation in one click
Live ID verification on video
Co-browsing for guided support
Recording + audit trail for every dispute

See conversation intelligence

What a Tier-1 BFSI Deployment Looks Like

B1-B3

Collections (auto-debit + voice)

Bucket-1 to Bucket-3 in English, Hindi, 12 more Indian languages, Mandarin, Bahasa, plus major global tongues. Payment promises captured. Disputes warm-transferred.

60% lower cost per contact

VKYC

Video KYC

WhatsApp + bot + video agent in one flow. Under 4-min total time.

70% faster KYC

Inbound

Tier-1 Inbound

Balance, transactions, EMI, card hotlist — WhatsApp + voice.

5× calls deflected

Reminders

EMI + auto-debit reminders

D-3 / D-1 reminders. Auto-debit confirmation. Failed-debit recovery.

40% fewer NPAs

WhatsApp Banking

Account self-service, statements, loan applications, video KYC.

Compliance

Compliance Intelligence

Auto-flag missing disclosures, mis-selling keywords, regulator audits.

Capability	EnableX	Cloud-only voice AI (Vapi, Retell)	Generic chatbot (Yellow, Haptik)
On-premise / behind firewall	Yes	No	No
13 Indian languages + Hinglish code-switching	Yes	Limited	Yes
Voice + WhatsApp + Video on one stack	Yes	Voice-only	Stitched
Bot → Video KYC handoff	Yes	No	No
RBI + DPDPA + TRAI DND compliant	Yes	US-first	Cloud-only
Indian carrier coverage (Jio, Airtel, VI, BSNL)	Native	US telephony	Voice via partner
Core banking integration (Finacle, BaNCS, FIS)	REST/SOAP	Custom build	Custom build

Explore Related Products

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Outbound Voice AI

Collections, EMI reminders, win-back. The engine behind BFSI outbound.

Outbound

The EnableX Difference

On-Premise Deployment

For tier-1 banks where data must stay inside your network.

On-prem

The EnableX Difference

Human Handoff (incl. Video)

Bot → live agent → video KYC in one flow. The BFSI USP.

Handoff

Evaluating alternatives?

vs Exotel → vs Yellow.ai → vs Twilio → All comparisons →

FAQ — EnableX for BFSI

EnableX delivers an end-to-end conversational AI stack for Indian banks: voice AI for collections and reminders in English, Hindi, and 12 more Indian languages, WhatsApp chatbot for self-service, video KYC under 4 minutes, and conversation intelligence to monitor compliance. Cloud, hybrid, or on-prem, same product.