Revenue-critical interactions every day; consistency pays most at volume.
Industries · BFSI
The regulated call, on the record.
India's lenders and insurers run their toughest conversations here: collections, renewals, retention, onboarding. Every one is scored, consent is enforced in the dialler before a number is placed, and the calls that need judgement reach a person. On the right, the audit trail writing itself.
In production for TATA AIG, HDB Financial, a major bank and a leading gold-loan NBFC, named where permitted.
The audit trail · writing itselfSimulation
100%
AUDITED
AUDITED
Every call, AI and human. where the industry samples under 5%
"In BFSI, 'trust us' is not an answer. 'Here is every call, scored, with a human on the ones that mattered' is."The compliance posture · auditable by design
Regulation · RBI FREE-AI
The model the regulator now asks for is the one we run.
India's draft framework for AI in finance, FREE-AI, asks banks, NBFCs and insurers for human oversight of automated decisions, an override, and disclosure when AI is in the loop. It is a draft; the posture it describes is how Oriserve has run from the start.
What FREE-AI asks forHow Oriserve already runs
Human oversight of automated decisionsThe judgement calls route to a person, briefed, by construction
An override, a way to stopA human can take any call, and rules gate the dialler before a dial
Disclosure when AI is involvedDisclosure is scripted and enforced, not left to the agent
An auditable record of the decisionEvery call scored and retrievable, AI and human alike
Data governance and residencyConsent honoured per contact, data resident in India
We read the draft the day it landed. Nothing on this page was retrofitted to it.
By book
Regulation differs by book. So does the motion.
Five regulated books, each with its own centre of gravity and its own regulator. Each has a page of its own.
Banks
The widest relationship
Acquisition, servicing, collections and cross-sell across account, card, loan and deposit, on one memory of the customer.
Banks →NBFCs
Recovery is the product
Early-bucket self-cure to deep-book liquidation, hardship heard, settlements routed to a person, digital-lending conduct enforced.
NBFCs →Credit cards
The revolving cycle
Activation and first spend, disputes and EMI, minimum-due and roll-rate, attrition saves and upgrades, inside PCI.
Credit cards →General insurance
Renewals and claims
The renewal closed on the call, the policy that never lapses, and the claims-adjacent conversation handled with care.
General insurance →Life insurance
Persistency, kept
Needs-based acquisition, premium reminders, lapse revival and riders at the moment of trust, with mis-selling guardrails.
Life insurance →One platform
Every book, one system
The same platform runs all five, so what it learns on one book helps the next, and your audit answer is always the whole book.
Get a live call →Why we started here
We began where the proof is objective.
DensityMillions of calls
MeasurabilityHard numbers
Recovery and save rates are objective. Our pricing stands on them, and so does our proof.
RegulationAuditability mandated
The pressure rewards a platform with complete, scored call trails. We had one before it was asked for.
The BFSI book, in numbersIn production
What we run for BFSI, counted.
The audit stream shows the posture; the numbers below show the outcome a BFSI buyer is judged on.
Collections uplift+15%
A financial-services book, with no added cost to collect.
Cost per outcome~30% lower
India benchmark across collections and retention.
Audit coverage100%
Every call scored, AI and human; the whole book, always.
Books in productionFour motions
Collections, renewals, retention and onboarding, live across lenders and insurers.
The rulebook, wall-sized
Six regimes, one enforcement layer, enforced pre-dial.
Each card is a claim your risk team can test, because the rule lives in the platform, not the training deck.
RBIFair practices code
Conduct standards for recovery and servicing outreach enforced in script, schedule and routing, with the full trail retrievable.
RBI · Digital lendingRecovery-agent & outsourcing norms
Recovery-agent conduct and outsourcing accountability built into every call the platform places on your behalf.
IRDAIPolicyholder protection
Renewal, servicing and claims-adjacent conduct per insurance regulation, with notice timelines honoured by the scheduler.
TRAI · TCCCPRContact windows & DND
Calling hours, frequency caps and preference registers gate the dialler; a non-compliant call cannot be placed.
DPDP ActConsent & data residency
Customer data processed under consent, resident in India, encrypted at rest, access-controlled and logged.
PaymentsPCI-DSS handling
Payment capture inside calls stays inside the standard; card numbers never linger in a transcript.
What BFSI buyers ask before signing
What happens when our regulator asks for call records?
You hand over everything, quickly. 100% of calls are recorded, scored and retrievable with the reasons attached, so your audit answer is the whole book, not the under-5% sample the industry keeps.
How does this line up 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. See the alignment table above; final guidance status is worth confirming with your compliance team.
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. Tenancy detail ships in the security pack.
Can it integrate with our core banking system?
It connects to Indian CBS, LOS and CRM stacks with pre-built connectors, and that integration depth is half the moat. The named list follows your ruling.
Who carries conduct liability on an AI call?
The same governance as your human floor, with a better paper trail. Scripts are version-pinned, rules enforced before the dial, and every deviation flagged the hour it happens, not at month-end.
Can we pilot on a regulated book without risk?
That is the standard entry: one bucket or cohort, your compliance team holding the pen on scripts, the baseline agreed first. The construct →
Telecom next door
Also proven where the calls are hardest: telecom.
Port-out saves, plan upgrades and mass-market retention at economics that make low-ARPU segments worth serving.