AI agents that call and answer your customers on the phone, by SMS and on web chat, in more than 25 languages, including Spanish. They finish the task during the conversation: confirm a flagged transaction, take a promise to pay, complete an account application, renew a policy. Tilicho builds and runs them inside your own Google Cloud project, starting from accelerators for 27 financial services use cases.
The number is matched to the account, loan, card or policy record: the amount due, the date, the last conversation and any promise already made. Consent, the Do Not Call list, the customer's local time 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 texts the payment, application or renewal link while the customer is on the line.
Disputes, hardship, changes of coverage and any request for a person go to your team live, with the transcript summary and the account history on screen. A supervisor can approve an exception on Slack while the caller holds.
Outcome tag, transcript and recording are written to the account, loan, card or policy system. The promise date or callback is scheduled, and a confirmation goes to the customer by SMS or email.
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 organization'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 application.
Calls are placed only inside the hours you set, in the customer's local time zone, for example 8 am to 9 pm. That is the window for telemarketing calls, and the window Regulation F uses for collection calls. Outside it the system does not dial.
A limit on attempts per customer that you set, for example the seven calls in seven days that Regulation F uses for collection calls. Every attempt is recorded, answered or not.
Under the TCPA, calls in an artificial voice to mobile numbers need the customer's prior express consent, and the FCC ruled in February 2024 that AI-generated voices are artificial. Consent is checked before the dial. Telemarketing calls are screened against the National Do Not Call Registry and your own list.
Customer financial data is handled under your GLBA information security program. PII is masked in transcripts and logs, and access is by role. The agent never takes a full card number, PIN or password, so card data stays out of the call.
The agent runs in your Google Cloud project, in a US region. Recordings, transcripts and outcome tags stay in your storage, retrievable by account or policy number.
Disputes, hardship, changes of coverage 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. 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 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 core, loan or policy system, is connected through its API during pilot setup. Tilicho builds and maintains it at no extra cost.
More than 25 languages, including English, Spanish, Mandarin, Vietnamese, Tagalog, Korean, Arabic, French, Russian and Portuguese. The agent switches language during the call when the customer does, including between English and Spanish.
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, hardship and changes of coverage.
Consent, your Do Not Call list, the customer's local time and attempt limits are checked before every dial, using the rules your compliance team sets. Every attempt is recorded.
In your own Google Cloud project, in a US region, 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 in week 0, for example promises to pay captured or applications 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 fraud alerts, early-stage collections or account opening.