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FINTECH • VOICE AI • CASE STUDY

A Hinglish Voice Agent That Handles Borrower Follow-Up

A working proof of concept for Embifi that automates the first layer of outbound customer conversations over the phone, in natural Hinglish — freeing human agents for judgment calls, negotiation, and exceptions.

LiveKit CloudSarvam AISpeech-to-TextText-to-SpeechVobiz / Plivo / Exotel
FINTECH · VOICE AI
LiveKit Cloud
Sarvam AI
Speech-to-Text
~48sAverage test call duration (PoC)
₹0.55Telephony cost per test call (PoC)
3Languages handled — Hindi, Punjabi, English
The Challenge

Routine calls were crowding out the conversations that actually need a human

Initial outreach, basic qualification, reminders and routine questions crowded out higher-value human conversations. Call notes were inconsistent, follow-up was slow, Hindi-English code-switching was poorly served, and calls that needed a person did not always reach one with context.

Fintech AI Solutions

Want This Level of Voice Automation for Your Team?

We'll scope a pilot around your exact outbound workflow — lead qualification, collections follow-up, or renewal reminders — with clear success metrics before any production commitment.

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What We Built

A reusable outbound-engagement foundation

A voice agent that places an outbound call, holds a natural Hinglish conversation, saves the full transcript and a structured outcome, and flags calls that need a human — for lead qualification and borrower follow-up.

1

Place the call

The agent dials out through the configured telephony / SIP connection.

2

Understand the reply

Speech-to-text converts the customer's response, built for Hindi-English code-switching.

3

Generate the next response

The conversation model uses current context to decide what to say next.

4

Speak back naturally

Text-to-speech plays the generated response back on the live call.

5

Save for review

The full transcript and a structured outcome are saved for follow-up or escalation.

Human in the loop

The agent handles initial outreach, basic qualification, reminders and routine questions. A human takes over judgment calls, negotiation, exception handling and customer support — with the saved transcript and outcome as context.

Expected value

More operational capacity, more consistent call data, a clearer follow-up queue, more accessible conversations, and a reviewable audit and coaching trail.

How a pilot is measured

  • Reach: connection rate, response rate, completed conversations, opt-out rate
  • Effectiveness: qualified leads or valid next steps per connected call, correct handoff rate, outcome-field accuracy
  • Experience and cost: latency, hang-up rate, call duration, cost per connected conversation and per successful outcome

No measured uplift in conversion or collections is reported yet — these are the metrics a pilot is designed to validate.

Rollout path

  1. 1Confirm the use case
  2. 2Connect Embifi-owned accounts and test
  3. 3Validate end to end
  4. 4Run a limited pilot
  5. 5Expand gradually
Why Build This With DevSecCops.ai

An engineering team that ships pilots, not slide decks

AWS Advanced Tier Partner

Certified cloud and AI delivery, so your voice agent runs on infrastructure built to AWS Well-Architected standards from day one.

Pilot-first engagement

We scope, build and validate against real call data before you commit to a production rollout — exactly like Embifi's PoC.

Human-in-the-loop by default

Every agent we build hands off judgment calls, negotiation and exceptions to your team, with full conversation context.

Production-readiness built in

DLT/DND compliance, consent handling, transcript retention and secrets management are part of the build, not an afterthought.

Trusted by forward-thinking teams

Cars24
Dekoder
FlexiLoans
Goodmeetings
Hypestore
Frammer
Hindustan
ShareChat
Microsoft Solutions Partner
Cars24
Dekoder
FlexiLoans
Goodmeetings
Hypestore
Frammer
Hindustan
ShareChat
Microsoft Solutions Partner
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More Fintech AI Solutions

Fintech AI Solutions

Want a Voice AI Agent for
Your Lending Workflow?

Tell us about your outreach, qualification, or follow-up bottleneck — we'll help you scope a pilot with clear, measurable success criteria before any production commitment.

Hinglish-native speech, built for Hindi-English code-switching
Structured transcripts and outcomes, not just call logs
Human handoff with full context for judgment calls

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