Financial Services

AI Voice + Omnichannel Agents for Financial Services

Automate high-volume servicing, payments, and account support across voice, SMS, web chat, and WhatsApp. MiCalls answers customers instantly, verifies intent, and completes routine requests securely, 24/7.

Deflect repetitive servicing calls without degrading CX or creating "phone tree" frustration
Collect faster with consistent outreach and self-serve options customers actually finish
Keep teams focused on exceptions with warm handoff + full interaction context

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Outbound Call Payment Reminder

Live

MiCalls AI: Hi, this is MiCalls calling on behalf of First Capital. I'm reaching out about a payment due on your account. I can help you pay now, set up AutoPay, or choose a payment date.

Customer: Oh right. Can I pay over the phone?

MiCalls AI: Yes. First, I'll confirm a few details to protect your account. Would you like a one-time code sent by SMS, or should I verify with security questions?

Customer: Send the code.

MiCalls AI: Done. Once you share the code, I'll confirm your amount due and help you complete payment or set a plan that fits.

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Trusted by banks, lenders, and fintech teams

SOC 2-ready controls

TLS 1.2+ encryption

99.9% uptime SLA option

PCI-aligned payments workflows

Financial Services Challenges MiCalls Solves

Financial teams lose time to repetitive calls, payment follow-ups, and status checks. MiCalls automates these interactions end-to-end, while routing sensitive or complex cases to staff with full context. You reduce cost-to-serve without sacrificing trust.

Delinquencies and Missed Payments

Customers forget, get busy, or avoid long hold times. MiCalls nudges early, offers self-serve options, and captures "promise to pay" outcomes across channels.

10–25% improvement in on-time payment rates

High Inbound Call Volume

Balance checks, due dates, and "where is my application" calls flood agents and queue times spike. MiCalls resolves routine requests instantly and escalates exceptions.

40–60% of servicing calls are routine

Agent Turnover and Inconsistent Answers

New hires mean variance in compliance language and customer handling. MiCalls delivers consistent, policy-aligned responses every time.

Lower AHT variance + fewer QA flags

Compliance and Consent Risk

Disclosures, consent, and verification cannot be optional. MiCalls enforces your rules before sharing account details and logs every step for audit readiness.

Audit-ready interaction logs by default

Application and Loan-Status Bottlenecks

Applicants call repeatedly for updates, documents, and next steps. MiCalls provides real-time status and collects missing items through the customer's preferred channel.

Fewer status calls during peak periods

Limited Hours and After-Hours Drop-off

Customers try at night or weekends, then churn when they hit voicemail. MiCalls supports 24/7 servicing and schedules callbacks for complex cases.

Capture more after-hours intent

How Financial Services Teams Use MiCalls

MiCalls handles the highest-volume financial interactions: reminders, collections, loan updates, and balance inquiries. Each workflow verifies identity, completes the task, then logs outcomes back to your systems.

Payment Reminders That Customers Actually Complete

MiCalls sends polite, timely reminders and makes it easy to take action in the same moment. Customers can pay now, set AutoPay, choose a payment date, or request hardship options based on your policy.

Smart timing and channel preference (voice, SMS, WhatsApp, web chat)
Secure verification before sharing any amounts or account details
Self-serve: pay now, AutoPay, or schedule a payment date
Captures outcomes: paid, scheduled, promise-to-pay, needs agent

60%+ of reminder interactions resolved without an agent

Reminder Triggered

Due date approaches or payment becomes past due

Identity + Consent Check

OTP or policy-based verification

Action Options

Pay now, AutoPay, schedule date, or request support

Confirmation Logged

Receipt, next steps, and outcome recorded

Collections That Scale Without Losing Customer Trust

MiCalls handles early-stage collections at scale with consistent, policy-aligned messaging. It confirms identity, shares approved account details, offers payment paths, and escalates disputes or hardship cases to staff.

Configurable disclosure language and call cadence rules
Negotiates approved options: partial pay, payment plan, promise-to-pay
Captures dispute and hardship signals, routes to the right queue
Full transcripts + outcomes for QA and audit workflows

30–50% reduction in agent time spent on early-stage outreach

Outbound Outreach

Customer receives call or message at allowed times

Verification Gate

Right-party verification before sensitive info

Resolution Path

Pay, plan, promise-to-pay, or escalate to staff

Outcome Recorded

Notes, transcript, and next action synced

Real-Time Loan and Application Status Updates, 24/7

MiCalls answers "where is my application" instantly and reduces inbound pressure on servicing teams. It shares the current stage, explains next steps, and collects missing documents or information through secure links.

Status updates: submitted, under review, approved, funded, pending docs
Document and data collection with secure, trackable links
Proactive updates when milestones change
Escalates exceptions: underwriting questions, edge-case disputes

2x faster customer updates with automated milestone messaging

Customer Checks Status

Voice or chat asks about application progress

Validate Identity

Confirms identity + application reference

Fetch Live Stage

Pulls current status and required next action

Update + Next Step

Sends status and collects missing items

Instant Balance and Account Support Without Hold Times

MiCalls resolves the most common servicing calls in seconds. Customers check balances, due dates, recent transactions, and available credit, with verification rules applied before any sensitive information is shared.

Secure self-serve authentication (OTP or your preferred method)
Balance, due date, last payment, available credit, recent activity
Can route to payment flows when customers want to act immediately
Warm handoff with context if customer needs a specialist

50% lower cost-to-serve for routine balance inquiries

Customer Requests Info

"What's my balance / due date?"

Voice Authentication

Confirms identity securely

Retrieve Account Data

Pulls approved fields from your systems

Provide Details

Shares info and offers next-best action

What Results Can Financial Teams Expect With MiCalls?

You should see ROI through reduced call volume, faster resolutions, and higher self-serve completion. MiCalls turns routine servicing into automated workflows while keeping exceptions with your team.

30% Faster Resolution Time

Close routine requests in minutes, not days, across channels.

40–60% Routine-Call Deflection

Automate repetitive servicing so agents focus on exceptions.

Audit-Ready Verification + Logging

Enforce identity gates and capture transcripts and outcomes.

24/7 Always-On Servicing

Support customers after hours without expanding headcount.

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Ready to Transform Your Financial Services Operations?

Join financial institutions using MiCalls to automate customer communication securely and at scale.

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