CallaroCallaro

“I've blocked that suspicious charge and issued you a new card.”

Financial Services

Scale Banking Operations. Securely.

From automated loan origination to intelligent EMI collections, deploy a tireless AI workforce across voice and messaging built with enterprise-grade security and compliance.

Deploy this agentSee the math
+24%Loan Growth
-40%Collections Cost
55%Support Deflection

The Intelligence Layer for Modern Finance

Automated Origination
Pre-qualify loan applicants autonomously, collecting basic financials before handing off to loan officers.
Intelligent Collections
Deploy empathetic agents to capture promise-to-pay intent on early delinquency buckets.
Account Support
Handle tier-1 queries like balance checks, card activation, and transaction disputes securely.
Fraud Verification
Instantly trigger outbound calls to verify high-risk or unusual transactions with the account holder.
Onboarding & KYC
Call new customers to walk them through the document submission pipeline.
Regulatory Compliance
Built-in redaction, strict adherence to calling hours, and perfect logging.
Omnichannel Follow-Through
The same agent continues on WhatsApp, SMS, chat and email — sending documents and pay links mid-call, following up on the channel the customer chose, with one memory per customer.

Transform the Entire Customer Lifecycle

Step 1

Acquisition

Outbound lead qualification for credit cards or personal loans, verifying income and intent.

Step 2

Onboarding

Guiding users through the e-KYC flow and resolving friction points to reduce drop-off.

Step 3

Servicing

Answering routine account queries, taking payments, and handling basic technical support.

Step 4

Collections

Managing early bucket delinquencies politely to recover missed EMI payments.

Banking and fintech journeys that cross channels securely

High volumes, strict identity checks and consent rules. Callaro verifies once, keeps the customer recognised across app, phone and WhatsApp, and acts through your systems.

One Callaro agent · one memory per customer

Same instructions, knowledge, tools and guardrails on every channel

Phone callIn-app voiceWeb/app chatWhatsAppSMSRCSEmailYour app (API)

Lost card: call to tracking on WhatsApp

A customer calls to report a lost card.

Phone callYour systemsWhatsApp

How Callaro gets it done

  1. 1The agent verifies the customer and blocks the card through your API.
  2. 2It orders a replacement and confirms the delivery address.
  3. 3Replacement tracking arrives on WhatsApp before the call ends.

Outcome delivered

Card secured and replaced in one call, with an audit trail.

Tools & APIsSend during a callTranscripts as records

In-app chat to in-app voice

A signed-in user is stuck in the app's chat.

Web/app chatIn-app voice

How Callaro gets it done

  1. 1The app identifies the user, so the agent already knows who they are.
  2. 2They tap to talk; the voice call starts with the chat's history.
  3. 3No second verification, no repeating — the issue is resolved by voice.

Outcome delivered

Faster resolution inside your own app.

Signed-in identityIn-app voiceChat-to-voice

Credit card or loan cross-sell

A pre-approved offer for consented customers.

Phone callWhatsAppYour systems

How Callaro gets it done

  1. 1A consented outbound call explains the offer and answers questions.
  2. 2The offer card and application link arrive on WhatsApp to decide later.
  3. 3Applications started update your CRM by webhook.

Outcome delivered

More applications at a lower acquisition cost.

CampaignsConsentWebhooks
How omnichannel works Explore every channel

Hear the Engine in Action

Listen to live recordings of Callaro navigating real financial services scenarios across different industries.

Loan EMI Defaulter Collection

Listen
End State Achieved

Sent Secure SMS Payment Link

Credit Card Upsell

Listen
End State Achieved

Application Form Triggered

Why Banks Prefer Callaro over Expanding BPOs

See how an infinitely scalable and tirelessly compliant AI workforce stacks up against traditional call centers and manual dials.

Aspect
Human-Led Approach
Callaro AI agents
Security & PII
High risk of malicious data exfiltration by agents
No visual access to data; automated real-time PII redaction
Compliance Adherence
Frequent accidental telemarketing/DNC violations
Mathematically locked to compliant hours and scripts
Cost Structure
Massive fixed overhead and facility costs
Rents by the minute; scale up and down instantly
Customer Experience
Long hold times and frustrating IVR trees
Immediate natural conversation; zero wait times
Channels
Separate teams and tools for phone, WhatsApp, chat and email
One agent on every channel with one memory per customer

Frequently Asked Questions

Is Callaro compliant with banking regulations?

Yes. We adhere to industry-standard data security protocols, utilize encrypted storage, and implement strict RBAC. We also ensure outbound operations comply with local telemarketing limits.

How does the AI handle sensitive PII?

Core models are never trained on your specific customer PII. Transcripts can be automatically scrubbed of national IDs, account numbers, and other sensitive information before storage.

Can clients authenticate over the phone?

Yes, Callaro can hook into your backend to execute out-of-band authentication (OTP verification via voice/SMS) or verify secure PINs.

Can the same Callaro agent handle financial services on WhatsApp, chat, SMS and email as well as calls?

Yes. One Callaro agent serves every channel — phone, in-app voice, website and app chat, WhatsApp, SMS, RCS and email — with one memory per customer. A call can send documents or a pay link on WhatsApp mid-conversation, a chat can turn into a call that already knows the context, and follow-ups go out on the channel and at the time the customer chose. Every outcome lands in your CRM.

Core Financial Use Cases

EMI Collections

Drive faster recoveries and capture PTP intent.

Explore solution

Sales Origination

Qualify leads for credit products instantly.

Explore solution

Banking Support

Deflect routine card and account inquiries.

Explore solution

Ready to scale your financial services team?

Connect with our solutions team to map your customer journeys across voice and messaging — and see exactly how one Callaro agent delivers the outcome.

Book your technical teardown