01Voice AI for Indian finance
Every customer call, handled like your best agent would.
vobo places and answers calls for lenders and fintechs — collections, offers and support — in a natural Indian voice that speaks Hindi, English and everything in between, and remembers every conversation.
Live in production since September 2026 · Mumbai
Response
—
Language
English
Identity
Verified
Outcome
PTP_GIVEN
Listen with sound
A Hindi collections call · production voice · 0:00
Running in production for
- Kashti
- FuturaPay
- ICS
02In production
865
calls in a single day
Peak day so far, one lending client
6,400+
borrowers in live journeys
Multi-day calling journeys running today
1.2s
median response time
From the caller's last word to vobo's first
2 languages
Hindi and English, mid-sentence
Follows the caller when they switch
03Listen
Don't take our word for it. Listen.
Three conversations from the loan lifecycle, voiced by the same agents your customers will hear. Watch the response time before every reply.
Collections · 34 days past due
A promise to pay, in Hindi
Viraj confirms who he is speaking to before saying anything about the loan, hears why the payment stopped, and leaves with a split promise: part today, the rest on payday.
04Memory across calls
The second call starts where the first one ended.
Outbound or inbound, vobo carries what the customer already told you — the offer they heard, the promise they made, the language they prefer. Nobody repeats themselves.
Tue · 11:40 · Outbound
0:00
A pre-approved offer, English to Hinglish
Customer memory
carried forward
- Offer
- Northstar Finance · up to ₹3,00,000
- Terms said
- 14.5% reducing · 36 months · fee 2%
- Consent
- WhatsApp link · Tue 11:42
- Language
- English → Hinglish
- Status
- Application started
Thu · 18:05 · Inbound
0:00
The customer calls back. Neha remembers.
05Why it sounds human
Built for how India actually talks on the phone.
01
Follows the caller's language
Starts in the customer's language and switches when they do — Hindi, English or the Hinglish most of India actually speaks. A stray misheard word never flips the call.
Customer · Hmm, okay. और processing fee कितनी है?
Neha · Processing fee दो percent है, यानी छह हज़ार रुपये।
02
Answers in about a second
Median response of 1.2 s on live calls, and you can cut it off mid-sentence like you would a person. It stops, listens, and picks up from what you said.
03
Says numbers the Indian way
Lakh and crore, rupees and dates read the way a loan officer would. Every figure comes from your data — vobo never invents an amount, a rate or a date.
₹1,03,582 → “एक लाख तीन हज़ार पाँच सौ बयासी”
04
Remembers every conversation
The promise from Tuesday, the document the customer was stuck on, the language they prefer. The next call — inbound or outbound — starts where the last one ended.
“I can see we spoke on Tuesday about your Northstar offer — is this about that?”
06Built for regulated lending
Restraint, enforced in code.
A collections call is a compliance event. The rules that matter run as guards around the model, so a clever reply can never talk its way past them.
- Identity first
- Says nothing about the loan until the right person confirms who they are. Relatives and wrong numbers get a neutral line and a callback, never details.
- Calling windows
- Journeys only dial inside the hours and days you set per campaign, with retry limits per contact per day.
- Opt-out & DNC
- “Don't call me again” is honoured on the call and blocks the number for that client across every campaign.
- Hardship
- Medical, bereavement and job-loss situations stop the ask, close kindly and flag the account for your team.
- Figures
- Amounts, dates and rates come only from your data. A guard checks every spoken figure before it reaches the caller.
- Consent
- Payment and application links are sent only after a clear yes to the question the caller actually heard.
How it works
From a CSV to a full day of calls.
01 / 04
Connect your data
Push leads and accounts by API, webhook or CSV. Each contact carries its own figures: amount due, offer, lender, language.
POST /journeys/{id}/contacts/bulk
02 / 04
Shape the conversation
Your script, your approved lines — spoken word for word where it matters, in Hindi and English. Guardrails are enforced in code, not hoped for in a prompt.
steps · guardrails · voice
03 / 04
Run journeys
Multi-day calling plans with calling windows, retries, callbacks at the time the customer asked for, and WhatsApp or SMS links on consent.
10:00–18:00 · Mon–Sat
04 / 04
Act on outcomes
Every call comes back with a recording, transcript and a disposition your team already uses — PTP_GIVEN, LINK_SENT, CALLBACK_REQUESTED, HARDSHIP.
webhook · dashboard · CSV
Hear it yourself
Talk to vobo. It takes a minute.
Pick a scenario, take a call in your browser or on your phone, and try to trip it up. Switch languages, interrupt it, ask it something odd.