Hardship-aware collections
Empathetic, regulator-friendly outbound for lenders and BNPL operators. Detects hardship, offers split-payments, PCI-redacted at the LLM boundary.
- Pre-call identity and consent capture
- Hardship-aware payment plan negotiation
- Payment-link delivery via SMS
- Per-call audit trail with signal events
Fraud alert verification
"Did you authorise this charge?" The agent confirms or freezes the card live, reverses the transaction, and dispatches a replacement.
- Real-time charge confirmation
- Card lock and reversal on the call
- Replacement card dispatch with tracking SMS
- Adjuster handoff if customer is distressed
Loan pre-qualification
Walks the borrower through eligibility on web chat or WhatsApp before a human underwriter steps in. Pre-fills the application from the conversation.
- Three-question eligibility check
- Live debt-to-income ratio calculation
- Pre-fill of the application form
- Handoff to a human underwriter with full context
Built for finance & lending from the platform up
Built for regulator-friendly collections
Hardship-aware scripts, PCI-redacted prompts, and per-call audit trails sit at the platform level — not bolted on later. Your collections supervisors can review every signal event from the call without exporting transcripts to a separate audit tool.
Connects to your core banking stack on day one
Salesforce, HubSpot, Twilio, and REST/webhook adapters are first-class. Custom adapters for in-house core systems and payment gateways are scoped during the 14-day pilot and ship before go-live, so the agent quotes correct balances and rates from the first call.
Empathetic handoff for distressed callers
Distress-signal detection routes the call to a human adjuster with full transcript context. The adjuster sees what was already said and the actions already taken — no restart for the customer, no context loss for your team.
Common questions
Can the voice agent handle hardship and payment plans?
Yes. Nexora Voice runs hardship-aware collections that detect distress signals on the call, offer split-payment options, and dispatch a payment link by SMS. Sensitive numbers are PCI-redacted at the LLM boundary before any prompt is sent. Every call carries a per-conversation audit trail with timestamped signal events your collections supervisors can review.
How is sensitive data protected during finance calls?
All traffic is TLS 1.3 in transit and AES-256 at rest. Card numbers, full names, and identifiers are redacted at the LLM routing layer before any prompt leaves your tenant. Nothing is retained for model training. Customers can request a DPA and security questionnaire from sales, and audit logs are exportable per call.
Does the agent integrate with our core banking and CRM stack?
Yes. Nexora Voice and Chat speak to your CRM, core banking system, payment gateway, and SMS provider over the same connector pattern. Salesforce, HubSpot, Twilio, and REST/webhook integrations are first-class. Custom adapters for in-house core systems are common — our team scopes them during the 14-day pilot and they ship before go-live.
How do you handle fraud-alert calls without scaring the customer?
The agent uses a calm, scripted confirmation flow: "Did you authorise this charge?" If the customer says no, the card is locked live on the call, the transaction is reversed, and a replacement card is dispatched with a tracking SMS. If the customer is distressed, the call hands off to a human adjuster with full transcript context. The flow is reviewed with your compliance team before go-live.
Can a chat agent pre-qualify loan applicants before underwriting?
Yes. Nexora Chat walks the borrower through a three-question eligibility check on web chat or WhatsApp, calculates their debt-to-income ratio live, pre-fills the application form from the conversation, and hands the file to a human underwriter with full context. Cuts underwriter review time without compromising decision quality.
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A 30-minute scoping call. We bring the finance & lending use-case research. You bring your tools and your hardest customer.