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.
Resolution rate
Cost per call
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. It scales recovery and service without adding call center headcount.
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›Capabilities
Everything the agent does on the call,
built in.
Hot transfer with context
Warm prospects move to a rep mid-call, with intent, notes, and transcript attached.
Call analytics & QA
Every call recorded, transcribed, dispositioned, and QA-scored - searchable by campaign.
24/7 always-on coverage
Answers every call through nights, weekends, and overflow at full quality, so nothing rolls to voicemail after hours.
Compliance & disclosure guardrails
TCPA disclosures, consent capture, and hardship paths run deterministically on every call, with approved scripts enforced.
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?
Enterprise-grade security
Enterprise-grade AI infrastructure with built-in protection and security, data privacy, governance, permissions, and compliance.
SOC Type 2
We meet SOC 2 requirements to ensure secure and compliant management of data across all our systems.
GDPR
With our technical team based in Sweden, we operate under GDPR - the world's strictest standard for data privacy.
HIPAA
We safeguard your protected health information with HIPAA-compliant processes, policies, and technical controls.
ISO 27001
Harmony is fully certified with ISO 27001, the internationally recognized standard for information security management.