Industry · Banking

Recover payments and grow your loan book.

Work your delinquency stack before accounts go to third-party collections, and follow up on every loan application in seconds. Live in days.

LiveInbound · Card dispute
A monday.com company - Trusted by revenue teams worldwide

Every day a delinquent account sits untouched, recovery gets harder.

Every day a delinquent account sits untouched, recovery gets harder.

70%

70%

70%

Resolution rate

-55%

-55%

-55%

Cost per call

94%

94%

94%

CSAT

Voice AI for banking is an AI phone agent that places outbound payment-recovery and reminder calls, follows up on new loan applications in under a minute, re-engages dormant account holders, and handles routine inbound service - all within your compliance guardrails. The problem: collections teams are understaffed, loan desks miss applicants who comparison-shop in minutes, and dormant customers churn to fintechs while your team is handling other calls.

Industry fit

Built around the conversations your buyers actually have.

The plays your team runs every day - handled end to end by an AI voice agent built for your industry.

Explore the platform

Payment recovery & reminder calls

Outbound early-stage collections: reminder calls, payment arrangements, and promise-to-pay capture - before accounts roll to third-party.

Loan application follow-up

Call every new mortgage, auto, or personal-loan applicant in under a minute and route qualified buyers to a loan officer.

Dormant account reactivation

Re-engage low-activity customers with proactive outreach and surface the right product at the right moment.

Inbound service routing

Balance inquiries, card disputes, and fraud alert confirmations - resolved or routed without hold queues.

Capabilities

Everything the agent does on the call,
built in.

  • Hot transfer - abstract geometric brand illustration

    Hot transfer with context

    Warm prospects move to a rep mid-call, with intent, notes, and transcript attached.

  • Call analytics - abstract geometric brand illustration

    Call analytics & QA

    Every call recorded, transcribed, dispositioned, and QA-scored - searchable by campaign.

  • 24/7 coverage - abstract geometric brand illustration

    24/7 always-on coverage

    Answers every call through nights, weekends, and overflow at full quality, so nothing rolls to voicemail after hours.

  • Compliance - abstract geometric brand illustration

    Compliance & disclosure guardrails

    TCPA disclosures, consent capture, and hardship paths run deterministically on every call, with approved scripts enforced.

  • Payment capture - abstract geometric brand illustration

    Payment capture & hardship paths

    Takes payments and offers plans or hardship options inside the call, with every required disclosure on the record.

Frequently asked questions

What is voice AI for banking?

Can AI handle early-stage collections and payment reminders?

Can it follow up on loan and mortgage applications?

Is automated outbound calling compliant for banks?

Does it integrate with our core banking system or CRM?

Can it also handle inbound calls like disputes or fraud alerts?

How do lenders use AI for collections?

See harmony.ai work a live banking call.

Talk to us

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No telephony glue or developer assembly required. Pick your use case, test your scenario, and deploy to production this week.

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