Voice AI for Debt Collections

Yes. The RBI Fair Practices Code governs the conduct of collections calls regardless of whether the caller is a human or an AI agent. ThinnestAI's default flows enforce the mandatory requirements — call timing (08:00–19:00 IST), identity disclosure, purpose disclosure, no coercive language, and full call recording. You are responsible for ensuring your specific script and campaign are reviewed by your compliance team before launch.

Hindi, Marathi, Tamil, Telugu, Bengali and Gujarati are production-ready on ThinnestAI for collections. Punjabi, Kannada, Malayalam and Odia are supported and good enough for first-party bucket. We recommend native-speaker QA before launching any campaign in a new language.

A fully loaded Indian BPO agent typically costs ₹150–₹250 per effective calling hour, which is roughly ₹2.5–₹4 per minute of outbound talk time once you factor in attrition, training, floor overhead and management layers. ThinnestAI is flat and all-inclusive — ₹2/min on standard voices and ₹2.5/min on premium voices, telephony included either way. Per-minute the standard-voice rate is already below the headline BPO wage, and one agent can run hundreds of concurrent calls, so per-successful-contact cost is typically 60–80% lower than a BPO.

Yes. You write the common collections objections into the agent's prompt and configure the matching actions in settings — promise-to-pay capture, extension requests, dispute handling, distress escalation. The LLM handles the natural-language variations; the actions capture the outcome as structured data.

You can configure an escalation rule — on detected abuse, distress signals, or explicit ask to speak to a human, the agent politely closes the call and either schedules a callback with a human agent, or transfers the call live if you have a human queue configured. The default behavior is to never argue, never escalate language, and always log the event.

Yes. At call start, ThinnestAI pulls borrower context (name, overdue amount, days past due, product, prior PTPs) from your CRM via webhook or REST. At call end, the outcome code, PTP date, recording URL and transcript are written back to the same system. We have reference integrations for Salesforce, Zoho, HubSpot and direct REST to custom internal systems.

Twilio and Vobiz, yes; Exotel, no. Plivo, Vobiz, Twilio and Telnyx numbers can be imported, and you keep your existing DLT-registered caller ID and carrier relationship at ₹0 extra. For Twilio, connect your Twilio account and we set the number up for you — voicemail detection and transfer to a person aren't available on an imported Twilio number. Exotel numbers can't be imported. Otherwise, buy an Indian number from us for ₹349/mo and we handle provisioning and DLT.

Technical integration is typically 5–10 working days — CRM webhook, agent setup in the settings tabs (prompt, knowledge, actions, voice), voice QA on recorded test conversations, DLT registration if not already done. Compliance review is usually the long pole, not the technology.

Call recordings and transcripts are stored in the Mumbai region (GCP asia-south1). Retention is 30 days on Pay As You Go, 75 on Scale, and negotiated on Enterprise — Trial does not record calls.