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B2B · Fintech

AI Voice Agents for Financial Services

Automate collection, onboarding and financial support with AI voice agents who know the SFC regulations, SARLAFT and the best Colombian ethical collection practices.

Talk to Sales
+35%
Portfolio recovery
-68%
Cost per collection
89%
Payment agreements reached
99.3%
Precision voice biometrics
Challenges of the Sector

The problems that affect finances

📈

High Defaults and Costly Collections

Manual collection has an average cost of $8,500 COP per call and recovery rates of less than 25%. Overdue portfolios grow faster than they can be managed with human teams.

📋

Onboarding with 34% Abandonment

34% of customers abandon the account opening or credit application process before completing it. Every friction point in onboarding represents billions in lost business.

🔒

Phone Verification Fraud

12% of identity thefts in Colombia occur via telephone. Traditional security question verification systems are insufficient against social engineering attacks.

NetVoice Solutions

Financial AI that recovers portfolio and meets standards

NetVoice automates the highest volume processes in the financial sector with precision, traceability and full compliance with the regulations of the Colombian SFC and SIC.

💰

SFC-Compliant Conversational Collections

The agent negotiates payment plans within the authorized parameters, respects contact hours, identifies himself correctly and records each agreement with evidentiary validity.

📋

Voice Guided KYC Onboarding

Guide the client through the account opening or credit application process, capturing data, explaining requirements and reducing abandonment by up to 60%.

👤

Anti-Fraud Voice Biometrics

Voiceprint identity verification with 99.3% accuracy. Integrable with the banking core for authentication without vulnerable security questions.

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Automatic Transactional Alerts

Notifications of movements, unusual consumption, card expirations and payments close to the deadline. Reduce fraud and improve customer experience.

Dashboard — Financial Collections
+35%
Portfolio recovery
-68%
Cost per collection
89%
Agreements achieved
99.3%
Voice biometrics
🥇 Active agent — Bank XYZ Collections
"Hello, the portfolio management system of Bank
+35%
Portfolio recovery
-68%
Cost per collection
89%
Payment agreements
<3min
By collection call
Compliance
Regulatory compliance financial
Circular Basica Juridica SFCThe agent complies with all the obligations of transparency, identification and contact hours established by the Financial Superintendence of Colombia for collection and financial consumer service.
Habeas Data — Law 1581 of 2012Processing of sensitive financial data with informed consent. Automated ARCO rights management. Specific DPA for the financial sector available.
SARLAFT and UIAFOnboarding flows include validations of restrictive lists (OFAC, ONU, SARLAFT) and automatic generation of suspicious transaction reports for the UIAF when applicable.
Law 1328 — Financial Consumer ProtectionThe agent respects the permitted contact hours, identifies himself correctly, informs the purpose of the call and offers alternative attention channels as required by the standard.
FAQ
Questions from the financial sector
How do you comply with the SFC's ethical collection regulations?
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NetVoice automatically configures the restrictions of the Basic Legal Circular: calls only between 7am and 9pm, complete identification of the creditor and amount, prohibition of intimidating language, registration of each contact with timestamp and recording. The recordings have evidentiary value and are stored with immutable hashes. The system automatically generates the collection management report required by the SFC.
Can you verify identity biometrically by phone?
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Yes. NetVoice voice biometrics capture the customer's voice print on first contact (with their consent) and verify it on subsequent calls with 99.3% accuracy. The process is imperceptible to the user and takes less than 2 seconds. It is especially useful for authentication in telephone banking, replacing security questions that are vulnerable to social engineering.
Does it integrate with core banking (Cobis, Temenos, Finacle)?
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Yes. We have native connectors for Cobis, Temenos T24, Finacle, Bantotal and Oracle FLEXCUBE. The integration allows you to consult balances, account statements, payment history and conditions in real time during the call. Payment agreements negotiated by the agent are automatically registered in the core without manual intervention.
What happens if the debtor does not recognize the debt or asks to speak to a human?
+
The agent is programmed to handle common objections: if the customer does not acknowledge the debt, the agent explains the concept and offers to send the account statement by email before continuing. If you request to speak to a human, immediately transfer with the full context of the conversation. If the customer exercises their right not to be contacted, the number is automatically added to the exclusion list.
+35%
Portfolio recovery
-68%
Cost per collection
89%
Payment agreements
<3min
By collection call
Compliance

Regulatory compliance financial

Circular Basica Juridica SFCThe agent complies with all the obligations of transparency, identification and contact hours established by the Financial Superintendence of Colombia for collection and financial consumer service.
Habeas Data — Law 1581 of 2012Processing of sensitive financial data with informed consent. Automated ARCO rights management. Specific DPA for the financial sector available.
SARLAFT and UIAFOnboarding flows include validations of restrictive lists (OFAC, ONU, SARLAFT) and automatic generation of suspicious transaction reports for the UIAF when applicable.
Law 1328 — Financial Consumer ProtectionThe agent respects the permitted contact hours, identifies himself correctly, informs the purpose of the call and offers alternative attention channels as required by the standard.
FAQ

Questions from the financial sector

How do you comply with the SFC's ethical collection regulations?

+
NetVoice automatically configures the restrictions of the Basic Legal Circular: calls only between 7am and 9pm, complete identification of the creditor and amount, prohibition of intimidating language, registration of each contact with timestamp and recording. The recordings have evidentiary value and are stored with immutable hashes. The system automatically generates the collection management report required by the SFC.

Can you verify identity biometrically by phone?

+
Yes. NetVoice voice biometrics capture the customer's voice print on first contact (with their consent) and verify it on subsequent calls with 99.3% accuracy. The process is imperceptible to the user and takes less than 2 seconds. It is especially useful for authentication in telephone banking, replacing security questions that are vulnerable to social engineering.

Does it integrate with core banking (Cobis, Temenos, Finacle)?

+
Yes. We have native connectors for Cobis, Temenos T24, Finacle, Bantotal and Oracle FLEXCUBE. The integration allows you to consult balances, account statements, payment history and conditions in real time during the call. Payment agreements negotiated by the agent are automatically registered in the core without manual intervention.

What happens if the debtor does not recognize the debt or asks to speak to a human?

+
The agent is programmed to handle common objections: if the customer does not acknowledge the debt, the agent explains the concept and offers to send the account statement by email before continuing. If you request to speak to a human, immediately transfer with the full context of the conversation. If the customer exercises their right not to be contacted, the number is automatically added to the exclusion list.