Zappio's AI calling agent handles loan qualification, EMI reminders, and collection outreach — automatically, 24/7, in 10+ languages, with full CBS integration.
Manual calling teams cannot handle loan leads, EMI follow-ups, and collections simultaneously.
Insurance leads lose 80% of intent in 5 minutes — banking leads are no different. Every hour of delay sends them to a competitor.
Most early delinquency is forgetfulness, not intent. A timely call resolves 80% of 0–30 DPD cases before they escalate into NPAs.
60% of dials go unanswered. Agents exhaust the day with no result. Manual collection economics break at scale.
Salary credited? Pre-payment buffer available? These high-intent moments close in hours — before any agent reaches the customer.
Pending documents block loan closure. Without systematic follow-up, customers lose momentum and the deal falls apart.
Salaried prospects are most reachable between 6–9 PM. Your call centre closes at 6 PM — that segment goes entirely untouched.
Walk-in queues grow while high-value appointments go unbooked because scheduling is still a manual, phone-based process.
Without systematic pre-due outreach, the first sign of delinquency arrives too late — after the customer has already missed payment.
From trigger to CBS update — fully automated with zero manual intervention.
Loan enquiry, EMI due date, or collection flag detected
AI dials before intent or urgency fades
Account number, DOB, or mobile OTP confirmed
EMI committed, doc requested, or appointment booked
Complex cases escalated with full call context
Transcript, disposition, and next action logged automatically
Every capability maps directly to the banking customer outreach and collections cycle.
Every loan enquiry called within 28 seconds. Confirm CIBIL eligibility, income bracket, and loan purpose before routing to the right RM.
Automated calls 7, 3, and 1 day before due date. Customer confirms payment intent — UPI link sent if needed. Zero agent involvement.
AI handles first-contact early delinquency — the highest-volume, lowest-complexity segment. Hardship cases escalated immediately.
Identify eligible customers from CBS data. Call the moment salary credits or pre-payment buffer appears — with a personalised product offer.
Systematically remind customers of pending documents, guide digital submission, and flag blockers to your operations team in real time.
Customers book branch appointments via voice. Zappio checks live slot availability and confirms — reducing walk-in queues by up to 50%.
Zappio records all calls with explicit consent, follows RBI-aligned communication guidelines on timing and frequency, and maintains a full audit trail. All customer data is encrypted and never stored beyond the configured retention policy.
Zappio works across all outreach types — EMI reminders, loan lead qualification, 0–30 DPD collection, KYC follow-ups, cross-sell campaigns, and branch appointment booking. It is equally effective for retail banks and NBFCs.
Yes. Connect your CBS or loan management system and Zappio automatically triggers calls at 7, 3, and 1 day before each due date — without any manual scheduling or list preparation.
Zappio acknowledges the dispute, captures the nature of the concern, and routes the call immediately to a human agent with the full transcript. It does not attempt to resolve disputes autonomously.
Zappio supports Hindi, English, Hinglish, Tamil, Telugu, Marathi, Kannada, Bengali, Gujarati, and more — auto-detecting the customer's preferred language within the first exchange.
Zappio integrates with Finacle, BankMate, Temenos, and most CBS platforms via secure REST API. Every call result — disposition, transcript, and next action — is written back automatically.
Yes. Zappio detects hardship signals, genuine disputes, or emotionally sensitive situations and routes them instantly to a human agent with a complete call summary and recommended next action.
Standard deployments go live in 7–10 business days. Enterprise integrations with complex CBS setups typically take 3–4 weeks.
Zappio starts at Rs1,999/month with 50 free minutes included, and Rs10 per minute beyond that. No per-seat fee. No long-term contract required.
Join banks and NBFCs already using Zappio to automate outreach, recover EMIs, and qualify loans 24/7.