Voice AI for Banks & BFSI

Collections, onboarding and self-service for banks and fintechs.

EnableX delivers an end-to-end conversational AI stack for banks, lenders and fintechs: voice AI for collections, WhatsApp banking for self-service, browser-based video KYC, and conversation intelligence for compliance. Built for regulated banking, with on-prem deployment for large banks.

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Built for banks, lenders and fintechs: collections, KYC, and customer self-service. In India: supports RBI video KYC (V-CIP) and do-not-call rules.

50K+ video KYC sessions a month for one of the world's largest fintechs

100K+ voice calls a day on EnableX infrastructure

30+ languages

On-premise option

Where Banks See EnableX Pay for Itself First

Collections

Collections calls made on time

Voice AI handles early-stage collections in 30+ languages. Captures payment promises, sends WhatsApp links, escalates disputes to a human on video for identity verification. Built to take the routine calls so your collectors handle exceptions.

WhatsApp banking that works

Balance, last-5 transactions, instalment status, statement download, loan applications. The bot is designed to resolve routine queries without an agent and escalates to video KYC or a live agent when needed.

KYC

Video KYC in one video call

The bot collects details and a video agent verifies face + ID in the browser, with liveness detection, document OCR, recording and an audit trail for your regulator.

How EnableX Maps to a Bank's Day

Collections

Voice AI in 30+ languages. Rules enforced on every call.

Outbound voice campaigns for early and late-stage 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.

30+ languages, mixed-language speech handled
Do-not-call and regulator calling-window enforcement
WhatsApp payment link sent in-call
Auto-debit failure recovery
Real-time CRM write-back

See outbound voice AI

Onboarding and Video KYC

WhatsApp, bot, human on video. One flow.

Customer starts on WhatsApp. Bot collects national ID and address documents and income proof. When face-match is needed, the bot escalates to a browser video call with a verification agent inside the same thread. The result comes back in the same conversation.

WhatsApp and web entry points
Document capture and auto-validation
Video escalation in one click
Regulator-ready audit trail
Call and video recording

See video handoff

Self-service

Tier-1 banking on WhatsApp and voice.

Balance, last-5 transactions, instalment status, statement download, cheque book request, loan eligibility, card hot-listing. The bot is designed to handle routine customer queries on WhatsApp or voice. Complex cases escalate to a banker.

Balance and transaction enquiries on WhatsApp and voice
Instalment status, statement, deposit enquiry
Loan eligibility check
Card hotlist and reissue
Real-time core banking integration

See AI Chatbot

Fraud and 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
Screen share for guided support
Recording and audit trail for every dispute

See conversation intelligence

What a Bank Deployment Looks Like

B1-B3

Collections (auto-debit + voice)

Early to late-stage collections in 30+ languages. Payment promises are captured and disputes warm-transferred.

AI voice agent for collections

VKYC

Video KYC

WhatsApp + bot + video agent in one flow, in the browser with no app.

Video KYC solution

Inbound

Tier-1 Inbound

Balance, transactions, instalments, card hotlist, on WhatsApp + voice.

Inbound voice AI

Reminders

Instalment + auto-debit reminders

Pre-due reminders, auto-debit confirmation, and failed-debit recovery.

Outbound voice AI

WhatsApp Banking

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

AI chatbots

Compliance

Compliance Intelligence

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

Conversation intelligence

Why teams build on EnableX

One platform

Full stack, one contract

Voice, video, messaging and AI on one platform we built ourselves.

Deployment

Deploy anywhere

Our cloud, your cloud, private cloud or fully on-premise, including the AI agents and speech models.

Partners

White-label ready

Telcos and SIs run EnableX under their own brand.

Explore Related Products

Voice AI

Outbound Voice AI

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

Outbound

The EnableX Difference

On-Premise Deployment

For 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.

Handoff

Live demo

Hear the KYC reminder calls demo

Automated calls confirm the account holder and send the KYC link on WhatsApp.

▶ Hear the sample call All demos

Voice AI use cases

Voice agents for banking

All voice demos and use cases

Sample callKYC remindersReminds customers about pending KYC and sends the link on WhatsApp.See the use case → Example callLoan application follow-upTells applicants what is missing and sends an upload link on WhatsApp.See the use case → Sample callPremium and EMI remindersCalls before and after the due date and records a payment commitment.See the use case →

FAQ: EnableX for BFSI

EnableX delivers an end-to-end conversational AI stack for banks, lenders and fintechs: voice AI for collections and reminders in 30+ languages, WhatsApp chatbot for self-service, browser-based video KYC, and conversation intelligence to monitor compliance. Cloud, hybrid, or on-prem, same product.

EnableX is built for regulated banking: do-not-call and sender-registration rules for outbound, regulator guidelines for collections and KYC, local data-protection law for customer data, and controls aligned with ISO 27001 and SOC 2 Type II. On-premise deployment available for large banks where customer voice data must stay inside the institution's network. In India: the platform supports RBI video KYC (V-CIP) and do-not-call and DLT rules.

30+ languages including 13 Indian languages, Arabic, Bahasa, Mandarin and Tagalog. Mixed-language speech is handled. The bot detects the customer's language in the first turn and continues in it.

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 browser video call inside the same thread, with liveness detection, document OCR, recording and an audit trail. The whole flow completes in one video call.

A single use case (collections or KYC) on our cloud or your VPC typically goes live in weeks. On-premise deployment adds a security review. Large banks usually run a parallel pilot before full cutover.

Yes. Pre-built connectors for Salesforce, MS Dynamics and Oracle, and custom integrations to your core banking or loan management system via REST/SOAP. The bot reads from and writes to these in real time during the conversation.

See EnableX in action.

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