India benchmark across servicing and collections.
Industries · BFSI · Banks
The widest customer relationship in finance, run call by call.
A bank customer holds an account, a card, a loan, a deposit and an app, and every one of them is a reason to call. Oriserve runs those conversations across the whole relationship, in the customer's language, with consent enforced before the dial and every call scored.
Retail bank · liveSimulation
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handled by AIto a person
"A bank knows everything about a customer and still calls them like a stranger. One memory of the relationship changes every conversation."The banking doctrine · one customer, not ten products
Why one platform beats a stack of tools
The account-opening drop-off, the unanswered service call and the loan nobody cross-sold are the same customer, failed three times.
Banks run each product on its own floor and its own vendor, so the context resets at every call and the customer feels every silo. The next-best action is never taken because no single system can see the whole relationship.
One platform runs acquisition, servicing, collections and cross-sell on one memory of the customer, so the right conversation happens at the right moment, and the mass-market segments a human floor cannot economically serve are finally covered.
The customer lifecycle
Six stages, each mapped to a motion we run.
From the first product enquiry to the next cross-sell, the same brain runs the relationship, and each stage maps to a solution you can go deeper on.
Acquire
The account, card or loan enquiry, qualified
Inbound and campaign leads answered at once, eligibility and intent established, the ready ones routed to a banker while warm.
Moves: lead-to-open rateLead qualification →Onboard
Activated, funded and using the account
KYC completion, activation, first-transaction and app-adoption nudges, so a new account reaches active use instead of going dormant.
Moves: activation, first-useOnboarding & support →Serve
The mass base, answered 24/7
Balance, statement, card-block, cheque and app queries resolved end to end, the hard ones handed to a person with context.
Moves: cost to serve, CSATCustomer support →Collect
EMI and overdue, recovered with tone
Loan-EMI and overdraft recovery worked in-language, hardship heard, payment taken on the call, disputes routed to a person.
Moves: bucket recoveryCollections →Retain
Dormancy and attrition, worked back
Dormant accounts re-engaged and balance-attrition signals acted on before the relationship, and the deposits, leave for a competitor.
Moves: dormancy reactivationRetention →Grow
The next-best product, at the right moment
Deposit, investment, insurance and pre-approved-loan cross-sell surfaced in the flow of a service call, only when it fits.
Moves: products per customerCross-sell & renewals →Across the bank
Every book, one platform.
Retail, cards, lending and wealth run on the same platform with one memory of the customer, so the relationship is whole rather than a set of silos.
Savings & depositsPersonal & home loansCardsDigital & co-lendingWealth & investmentsMSME bankingPayments & UPI
Proof
What we run for banks, counted.
A major bank runs on the platform today; the numbers below are the outcome a retail bank is judged on.
Cost per outcome~30% lower
Audit coverage100%
Every call scored, AI and human; the whole book, always.
ReachEvery hour, every language
The mass base served 24/7 in 10+ Indian languages.
HandoffSeconds, with context
Judgement calls reach a banker briefed, not cold.
Compliance by construction
Every rule that governs a banking call, enforced pre-dial.
The rule lives in the platform, not the training deck, and RBI's draft FREE-AI posture, human oversight, an override and an auditable record, is how it already runs.
RBIFair practices & outsourcing
Conduct standards for servicing and recovery outreach enforced in script, schedule and routing, with the trail retrievable.
RBI · KYC/AMLIdentity & verification
KYC and verification flows handled to standard, with disclosures scripted and enforced, not left to the agent.
RBI · Digital lendingCo-lending & recovery conduct
Digital-lending disclosure and recovery-agent conduct built into every call the platform places on your behalf.
TRAI · TCCCPRContact windows & DND
Calling hours, frequency caps and preference registers gate every outbound dial before it is placed.
DPDP ActConsent & residency
Customer data processed under consent, resident in India, encrypted at rest, access-controlled and logged.
PaymentsPCI-DSS handling
Card and payment capture inside calls stays inside the standard; card numbers never linger in a transcript.
What banking buyers ask before signing
How does this align with RBI's FREE-AI expectations?
It is the posture the draft describes. Human oversight of the judgement calls, an override, scripted disclosure and a scored, auditable record are how the platform already runs; final guidance status is worth confirming with your compliance team.
Can it connect to our core banking system?
It connects to Indian CBS, LOS and CRM stacks with pre-built connectors, reads and writes to your systems of record, and can run alongside what you have. The named list follows your ruling.
Where does our customer data live?
In India, under your consent regime, improving only your book. Residency is the default architecture, not an add-on.
What happens to a distressed or disputing customer?
They reach a person. Hardship, disputes and anything needing authority route to a banker mid-call with the full context attached, so the customer never repeats the story.
How fast can we go live?
A production pilot on your real calls, with first live results by Day 7. One product or one segment, the baseline agreed first, your compliance team holding the pen on scripts.
How is it priced?
Consumption on handled volume, plus a success fee on the outcome above your baseline. No seats; the full construct is on the outcome pricing page.
The rest of BFSI
One platform, every regulated book.
The same platform runs NBFC recovery, card revolving, and insurance renewals, each with its own regulator and its own motion.