Banking Automation Playbook
A practical guide to deploying AI agents across banking operations - including loan collection, KYC verification, account servicing, and customer onboarding - while staying compliant with RBI, FCA, and other regulatory frameworks.
AI operates via
How It Works
- 01
Map Your Banking Workflows
Identify high-volume, rule-based processes - EMI reminders, overdue follow-ups, KYC document requests, account activation nudges - that are currently handled manually.
- 02
Configure Compliance Guardrails
Set up DNC lists, regulatory call-time windows, mandatory disclosures, and call recording rules before activating any agent. Compliance is non-negotiable.
- 03
Deploy Loan Collection Agent
The AI agent contacts overdue borrowers via voice, WhatsApp, and SMS - offering flexible payment options, collecting promise-to-pay commitments, and escalating when needed.
- 04
Automate KYC and Document Collection
Send document request links via WhatsApp, validate uploads in real time, and update your core banking system the moment documents clear - eliminating branch visits.
- 05
Monitor and Audit
All agent interactions are logged with timestamps, recordings, and dispositions. Export audit trails for compliance reviews or regulator requests at any time.
55%
Collection Cost Drop
80%
KYC Completion Rate
3×
Service Capacity
98%
Compliance Rate
Step-by-Step Breakdown
Map Your Banking Workflows
Identify high-volume, rule-based processes - EMI reminders, overdue follow-ups, KYC document requests, account activation nudges - that are currently handled manually.
Configure Compliance Guardrails
Set up DNC lists, regulatory call-time windows, mandatory disclosures, and call recording rules before activating any agent. Compliance is non-negotiable.
Deploy Loan Collection Agent
The AI agent contacts overdue borrowers via voice, WhatsApp, and SMS - offering flexible payment options, collecting promise-to-pay commitments, and escalating when needed.
Automate KYC and Document Collection
Send document request links via WhatsApp, validate uploads in real time, and update your core banking system the moment documents clear - eliminating branch visits.
Monitor and Audit
All agent interactions are logged with timestamps, recordings, and dispositions. Export audit trails for compliance reviews or regulator requests at any time.
Frequently Asked Questions
How does the agent handle borrowers who dispute the amount?
The agent acknowledges the dispute, logs it, and escalates to a human recovery officer - ensuring no commitment is made on disputed amounts without human authorisation.
Is the system compliant with RBI guidelines on digital lending?
Yes. UnleashX is designed to meet RBI's digital lending guidelines, including mandatory agent identification, purpose disclosure, and opt-out mechanisms.
Can we customise the tone of collection calls?
Absolutely. You can set the agent's tone - empathetic, firm, or neutral - and provide custom scripts that align with your brand's communication standards.
What languages are supported for banking workflows?
English, Hindi, Tamil, Telugu, Kannada, Marathi, Bengali, and 8 additional languages are supported for voice and messaging in banking deployments.
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Ready to run this playbook?
Our team will configure everything to your stack, compliance rules, and brand voice. Live in under 7 days.