How does QIXS.AI maintain DPDP Act 2023 and RBI compliance for BFSI?

QIXS.AI is hosted strictly within AWS Asia Pacific Mumbai (ap-south-1) for complete Indian sovereign data localization. All voice streams feature automated real-time PII redaction (masking PAN, Aadhaar, CVVs, and account numbers), 2-year immutable WORM CDR retention under DoT directives, and strict adherence to RBI Fair Practices Codes prohibiting borrower harassment.

How does the agent trigger instant WhatsApp UPI payment links during EMI reminder calls?

During an EMI reminder call, when the borrower agrees to clear their dues, QIXS.AI dynamically generates an authenticated Razorpay or Cashfree UPI payment intent link and pushes it in real-time over official WhatsApp Meta Cloud API while the customer is still on the line.

Can QIXS.AI handle high-volume loan application verification during peak lending cycles?

Yes. QIXS.AI scales elastically across hundreds of concurrent SIP trunks to place verification calls within 30 seconds of loan form submission, confirming applicant salary, bank branch, employment status, and PAN details without human agent bottlenecks.

What calling number series is used for BFSI transactional notifications?

All service and transactional EMI reminders are routed over TRAI-mandated 160 series numbers with automated DLT header scrubbing and strict quiet hours enforcement (9:00 AM to 8:00 PM IST).

How does the AI handle disputed EMI amounts or hardship requests?

If a borrower reports hardship, disputing charges, or job loss, the AI maintains an empathetic tone, captures reason codes in the LMS (Loan Management System), and triggers a seamless warm transfer to a senior credit resolution officer with full transcript Screen-Pop.

BFSI COMPLIANCE ENGINE · 160 SERIES TRANSACTIONAL SIP · DPDP ACT 2023 READY

Autonomous Voice AI for Indian BFSI, Fintech & NBFC Lending

Scale loan origination, eliminate collection agency liabilities, and maximize debt recovery. QIXS.AI delivers empathetic, sub-650ms conversational Voice AI for BFSI institutions, NBFCs, and digital Fintech lenders. Automate pre-due EMI notifications, verify loan KYC, trigger instant UPI payment links over WhatsApp, and maintain 100% DPDP Act and RBI compliance.

Deploy BFSI Voice Agent Free → Dial Live Banking Demo: (+1) 877-589-9631

Bucket 0/1 Recovery Lift

+ 38%

Polite conversational reminders 3 days before due date increase on-time EMI settlements.

Loan KYC Turnaround

< 3 Minutes

Instant automated voice verification replaces 24-hour manual telecaller backlogs.

Data Privacy & Governance

DPDP & SOC 2

Automated PII redaction of Aadhaar and PAN numbers; sovereign AWS Mumbai cloud.

Telecom Series

160 Series SIP

TRAI-approved transactional calling numbers with zero Truecaller spam tagging.

[ 01 / LIVE CONVERSATION DEMO ]

Empathetic Soft EMI Reminder & Instant UPI Payment Flow

Listen to how QIXS.AI preserves customer dignity while driving immediate digital payment resolution.

CALL ROUTING: 160-SERIES TRANSACTIONAL SIP · CODEC: G.711 / OPUS · PII MASKING: ACTIVE

LATENCY: 610MS (p50)

AI (Kavita)

"Namaste Mr. Sharma. Main Kavita bol rahi hoon Apex Finance se. Yeh ek courtesy reminder hai aapke Personal Loan account ending in 4920 ke regarding. Aapka monthly EMI amount ₹8,450 aane wale 5th October ko due hai. Kya aapne NACH auto-debit ke liye sufficient balance maintain kar liya hai?"

Borrower

"Arre, main travel kar raha hoon aur primary bank account change ho gaya hai toh NACH bounce ho sakta hai. Kya main abhi Google Pay ya UPI se pay kar sakta hoon?"

AI (Kavita)

"Bilkul Sharma ji! Late fees aur credit score impact se bachne ke liye main abhi aapke WhatsApp registered mobile number par instant UPI payment link bhej rahi hoon. Aap Google Pay, PhonePe, ya Paytm se ek click mein pay kar sakte hain. Kya aapko message receive hua?"

Borrower

"Haan, WhatsApp aa gaya. Main abhi pay kar raha hoon. Thank you!"

AI Action

[SYSTEM EVENT]: Dynamic Razorpay UPI Intent Link generated for ₹8,450 · WhatsApp dispatched via Meta Cloud API · Loan LMS updated status: 'PTP - Link Shared' · 2-Year CDR logged in AWS Mumbai.

[ 02 / ENTERPRISE USE CASES ]

Comprehensive Automation Across the Lending Lifecycle

USE CASE 01

Loan Origination & KYC Triage

Verifies borrower employment details, monthly in-hand salary, co-applicant details, and loan purpose within minutes of digital app submission.

USE CASE 02

Pre-Due Bucket 0 EMI Reminders

Dials borrowers 3-5 days before their auto-debit presentation date, confirming sufficient bank balance and preventing costly NACH return charges.

USE CASE 03

Bucket 1 Soft Delinquency Recovery

Contacts 1-30 DPD overdue accounts with empathetic negotiation, offering immediate UPI links, partial payments, or restructuring options.

USE CASE 04

Credit Card Cross-Sell & Upgrade

Engages pre-approved banking customers with personalized credit limit increases and reward card upgrades, verifying consent via voice OTP.

USE CASE 05

Insurance Policy Renewal & Claims

Executes motor and health insurance renewal reminder campaigns, explaining coverage benefits and sharing instant payment checkout links.

USE CASE 06

Fraud Alert & Transaction Confirmation

Instantly alerts cardholders of anomalous high-value transactions, securing voice verification to unfreeze cards or escalate to risk teams.

[ 03 / REGULATORY & SECURITY MATRIX ]

100% Indian Sovereign Telecom & Data Compliance

DPDP Act 2023 & Sovereign Data Localization

All data at rest is stored strictly in AWS Mumbai (ap-south-1). Automated PII masking dynamically scrubs Aadhaar, PAN, CVV, and account numbers from audio transcripts and vector storage before long-term archiving.

TRAI 160-Series Transactional SIP Trunks

Banking calls are routed through certified 160-series numbers with DLT entity registration, ensuring high trust pickup rates and complete immunity from Truecaller spam categorization.

DoT 2-Year Immutable CDR Retention

Complies with Department of Telecommunications directives requiring 24-month immutable write-once-read-many (WORM) storage for all Call Detail Records, IPDR logs, and audio recordings.

RBI Fair Practices & Anti-Harassment Safeguards

QIXS.AI programmatically enforces calling windows strictly between 9:00 AM and 8:00 PM IST. The AI maintains professional, polite language and records all interactions for audit inspections.

Instant Razorpay & Cashfree UPI Links

Direct API hooks generate unique payment links with pre-filled loan IDs and settlement amounts, delivering payment receipts directly to your core LMS upon successful webhook confirmation.

Seamless Human Officer Escalation

When borrowers request settlement restructuring or legal clarifications, the AI triggers an instant WebRTC warm transfer to your recovery officer with live Screen-Pop and structured notes.

[ 04 / FREQUENTLY ASKED QUESTIONS ]

BFSI & Fintech Telephony Questions Answered

All customer data and audio processing pipelines are hosted in sovereign Indian cloud infrastructure (AWS ap-south-1 Mumbai). Our automated PII redaction pipeline automatically detects and masks Aadhaar numbers, PAN cards, CVVs, and bank account numbers in real-time, preventing sensitive data exposure across logs and vector databases.

Yes. QIXS.AI integrates with payment gateways like Razorpay, Cashfree, and PayU. When a customer agrees to pay during the call, the AI pushes an authenticated UPI payment intent link over official WhatsApp Meta Cloud API. As soon as the payment clears, our webhook updates your LMS in real-time.

QIXS.AI uses calibrated empathetic speech prompts strictly adhering to RBI Fair Practices guidelines. If a customer expresses financial distress or requests hardship restructuring, the agent logs the specific reason codes in your LMS and can perform an immediate warm transfer to a specialized human credit manager.

QIXS.AI features enterprise-grade REST APIs and webhooks that integrate out-of-the-box with leading LMS platforms including Finone, LeadSquared BFSI, Perfios, Pennant, Zoho CRM, and Salesforce Financial Services Cloud.

Traditional BPO collection agencies charge 10% to 25% of recovered amounts or ₹25-₹45 per telecall attempt. QIXS.AI charges a simple ₹999/month base subscription plus ₹4.50/minute of actual call time, reducing total collections operational costs by over 75% while maintaining 100% compliance auditability.

UPGRADE YOUR BFSI TELEPHONY INFRASTRUCTURE

Automate 80% of Loan KYC & Soft EMI Collections

Empathetic, carrier-grade Voice AI engineered for Indian digital lending and banking institutions. Start with a 14-day free trial.

Start Free Trial → Dial Demo Agent: (+1) 877-589-9631