AI agents that call and answer your customers on the phone, on WhatsApp and on web chat, in more than 25 languages. They finish the task during the conversation: take a promise to pay on a paylater instalment, activate a card, complete a KYC review, renew a policy. Tilicho builds and runs them inside your own Google Cloud project for banks, finance companies and insurers in Indonesia, Malaysia, Singapore, Thailand, Vietnam and the Philippines, starting from accelerators for 28 financial services use cases.
The number is matched to the loan, card, paylater or policy record: the amount due, the date, the last conversation and any promise already made. Calling hours for the customer's market and attempt limits are checked before the dial.
The right person is confirmed before any account detail is spoken. The agent states the amount and the date from the record, takes the promise or the instruction, and sends the payment, KYC or renewal link on WhatsApp or SMS while the customer is on the line.
Disputes, hardship and any request for a person go to your team live, with the transcript summary and the promise history on screen. A supervisor can approve an exception on Slack while the caller holds.
Outcome tag, transcript and recording are written to the loan, card or policy system. The promise date or callback is scheduled, and a confirmation goes to the customer on WhatsApp or SMS.
Each agent starts from an accelerator, so a use case is on live calls in about one month.
The opening is fixed in the script. It is the same on every call, in every language.
The agent confirms it is speaking to the customer before it mentions any account detail.
Your organisation's name and the purpose of the call, in the words your compliance team approved.
The agent says it is an AI assistant and that the call is recorded.
Only then does the script move to the amount, the date or the KYC review.
Calls are placed only inside the hours you set for each market, in the customer's local time, for example 8 am to 8 pm for collection calls in Indonesia. Outside them the system does not dial.
Offer calls go only to customers who have consented. In Singapore, numbers are checked against the Do Not Call Registry before a marketing call.
A limit on attempts per customer, and a record of every attempt. Recording, transcript and outcome tag for each call, retrievable by loan, card or policy number.
PII is masked in transcripts and logs. Access is by role. The agent never asks for an OTP, PIN, password or full card number. Data handling is set up for each market's law: Singapore's PDPA, Malaysia's PDPA 2010, Indonesia's Personal Data Protection Law (UU PDP, 2022), Thailand's PDPA, the Philippines' Data Privacy Act of 2012 and Vietnam's Personal Data Protection Law of 2025.
The agent runs in your Google Cloud project, in the region you choose, for example Jakarta or Singapore. Recordings and customer data stay in your storage.
Disputes, hardship cases and any request for a person are transferred live, with the transcript summary.
The agent runs in the Google Cloud region closest to your customers, for example Jakarta or Singapore. This is fixed before the build, since reply time cannot be tuned afterwards.
The agent mirrors the customer turn by turn, so it follows the customer's language and not a setting. A call can move from English to Mandarin, or from Malay to English, mid-sentence.
A supervisor routes to small agents that share the state of the call. The script grows by adding agents.
A health-checked fallback model in the same region takes over mid-call, with the state of the call intact.
Your team member sees the intent, the transcript summary and the captured details before speaking.
An analyzer agent keeps each account open until it reaches an end state: paid, promise kept, or handed to your team.
Anything not on this list, including your loan, card or policy system, is connected through its API during pilot setup. Tilicho builds and maintains it at no extra cost.
More than 25 languages. In Southeast Asia: Bahasa Indonesia, Malay, English, Mandarin, Tamil, Thai, Vietnamese, Filipino and Taglish. Beyond the region: Hindi, Arabic, Japanese, Korean and Spanish among others. The agent switches language during the call when the customer does.
Yes. Each market has its own numbers, calling hours, languages and approved script, and campaigns are set per market from the same agent.
The call is transferred live to your team with the transcript summary, so the customer does not repeat the case. You decide which cases always go to a person, such as disputes and hardship.
In your own Google Cloud project, in the region you choose, and in your storage. Tilicho runs the agent inside that project.
No. The agent connects to your existing numbers and systems. There are more than 50 integrations, and other systems are connected through their APIs during setup.
By the number you choose at the start, for example promises to pay captured or KYC reviews completed, reviewed every week against your current baseline.
A 30-minute session: a live call with the agent, then a walk through one use case of yours, such as paylater reminders, card activation or a KYC review.