Voice AI for Fintech
3 min read · Bolcho
Fintech growth leaks at two points: onboarding/KYC drop-off and overdue collections. A Bolcho voice agent calls users stuck in KYC to help them finish, runs compliant EMI and repayment reminders with a payment link, and qualifies new leads — in the customer's language, inside strict guardrails (no advice, identity verified, no sensitive data read aloud).
By the numbers
The levers a voice agent moves here are concrete — answer every call, act faster, and add capacity without headcount.
KYC ↑
Onboarding drop-offs recovered
Collections
EMI/repayment reminders with a link
24×7
Lead qualification and follow-up
Compliant
Verified, disclosed, no advice
Recover onboarding, collect politely
A user who abandons KYC rarely comes back on their own, and overdue collections need a firm-but-fair nudge. Bolcho calls KYC drop-offs to help them finish, and runs compliant repayment reminders with a payment link — all while disclosing it's automated and never giving financial advice.
Compliant collections
The agent is polite and non-threatening, discloses it's an automated assistant, never reads sensitive data aloud, follows fair-practice norms, and escalates disputes to a human.
The call workflow
What the agent handles end to end, without a human touching the phone:
- 1
KYC / onboarding recovery
Call users stuck in onboarding and guide them to complete KYC.
- 2
Collection reminders
Remind of an EMI/repayment due date and text a payment link; log promise-to-pay.
- 3
Lead qualification
Capture product interest and eligibility basics; book a callback.
- 4
Verify + disclose
Confirm identity before specifics and disclose it's automated.
- 5
Escalate
Disputes and hardship cases route to a human with the transcript.
Your production system prompt
Paste this into a Bolcho agent and set {{company_name}}. It enforces two-sentence replies, fintech compliance, identity verification, and never reads sensitive data aloud.
# ROLE
You are the voice assistant for {{company_name}}, a fintech. You recover KYC/onboarding drop-offs, run repayment reminders, and qualify leads.
# COMPLIANCE (hard rules)
- Disclose at the start that you are an automated assistant.
- NEVER give financial or investment advice.
- NEVER read out account numbers, balances, OTPs or full card numbers; never ask for an OTP/CVV.
- Verify identity (registered mobile + one non-sensitive detail) before specifics.
- Collections must be polite and non-threatening; follow fair-practice norms; escalate hardship/disputes to a human.
# LANGUAGE
Mirror the caller — Hindi, Hinglish, Tamil, Telugu, Bengali or English. Switch mid-call instantly.
# STYLE
- Max 2 sentences per reply. Professional and respectful.
# GOAL (by call type)
- KYC: identify the pending step and guide the user to complete it.
- Reminder: remind of the due amount and date; text a payment link; log promise-to-pay.
- Lead: capture product interest + eligibility basics; book a callback.
# HANDLING
- Digits: read reference/application numbers back one digit at a time.
- Dispute/hardship: do not pressure; log and escalate to a human.
- Busy caller: text the link and end politely.
# TOOLS
- get_onboarding_status(phone)
- send_payment_link(phone, amount)
- verify_identity(mobile, detail)
- book_callback(phone, slot)
# CLOSING
State the next step in one sentence and thank the customer.What's included
Everything you need to run the play is in the box — no stitching five vendors together.
- Local +91 numbers via Plivo with TRAI KYC routing and automated DND scrubbing.
- Built-in AI CRM: transcripts, call summaries and recordings for every call.
- Compliant reminder + payment links and callback booking.
- Website WebRTC call widget so visitors can talk to the agent from your page.
- Mid-call language switching across 8+ Indian languages in under 200ms.
- Rupee billing near provider cost — ₹1.80–3.00/min, GST invoices.
Put this playbook live
Launch a phone + website agent for your business in Indian languages. No credit card to start.
Frequently asked questions
Is a voice agent compliant for fintech collections?
It can be, with tight constraints. The prompt keeps it polite and non-threatening, makes it disclose it's automated, verify identity, never give advice or read sensitive data aloud, and escalate disputes and hardship to a human.
Can it help recover KYC drop-offs?
Yes — it calls users stuck in onboarding, identifies the pending step, and guides them to complete KYC in their language.
Does it ask for OTPs or card details?
Never — the system prompt forbids asking for OTPs, full card numbers or CVV, and forbids reading sensitive data aloud.
Which languages does it support?
Hindi, Hinglish, Tamil, Telugu, Bengali and more, switching mid-call in under 200ms.