Backed by Y Combinator

AI Outbound Voice Agents, Knowledge Base

The AI communications platform for

growing deposits
recovering payments
funding more loans
keeping members
growing deposits
Growing deposits
Recovering payments
Funding more loans
Keeping members
Growing deposits

Reach more members and get more done with branded voice and text agents that work within your core and CRM.

RESULTS

Results from live deployments

What credit unions see when AI agents run their member outreach.

7M+
Calls made
42%
Member contact rate
84%
Lower cost per call
86%
More late members brought current
early collection accounts repaid
With AviaryAI agents
65%
Typical credit union
35%
86% more members back on track than the typical credit union.
Running live member outreach on voice and RCS today
BCU Credit Union logo
Skyla credit union logo
Great Lakes credit union logo
Coastal credit union logo
Consumers credit union logo
credit union 1 logo
Elements financial logo
Vibrant credit union logo
Elga credit union logo
Lafayette federal credit union logo
Northwest Community Credit Union logo
LSI logo
Encurage Financial Network logo
Envisant logo
MRS Systems logo
Stream Financial logo
Agenium logo
Skyla credit union logo
Coastal credit union logo
Consumers credit union logo
credit union 1 logo
Elements financial logo
Vibrant credit union logo
Elga credit union logo
Lafayette federal credit union logo
Encurage Financial Network logo
envisant logo
BCU Credit Union logo
Skyla credit union logo
Great Lakes credit union logo
Northwest Community Credit Union logo
LSI logo
Encurage Financial Network logo
Envisant logo
MRS Systems logo
Stream Financial logo
Agenium logo
BCU Credit Union logo
Skyla credit union logo
Great Lakes credit union logo
Northwest Community Credit Union logo
LSI logo
Encurage Financial Network logo
Envisant Logo
MRS Systems logo
Stream Financial logo
Agenium logo

AI Built for Credit Unions, Banks and Insurance Providers

Industry-leading security and compliance built into every conversation.
Safe & Compliant Models
Purpose-built AI models for financial services with all necessary compliance guardrails.
Bank Grade Security
SOC 2 Type II certified, with end-to-end encryption and rigorous data protection protocols.
Complete Audit Trails
Comprehensive monitoring and documentation of all interactions for regulatory compliance.
View compliance and security
CAPABILITIES

One platform, every channel your members use.

Turn your call list into results, not voicemails

Real two-way conversations, in your brand voice, that verify the member, settle the reason for the call and log what was agreed.

Launch a campaign without adding headcount
TCPA compliant dialing and consent handling
Every outcome written back to your system of record
Early collections campaign
1,240 of 1,800 called
Member ending 4821
Promise to pay
Member ending 1160
Connected
Member ending 7734
Queued
Illustrative. Not live data.

Go beyond containment

Resolve member issues and write the result to the core immediately.

Members say what they need, no menus
Requests completed, not just routed
Escalates with the whole conversation attached
Incoming call
7:15am, outside branch hours
1
Member asks to skip a payment
2
Intent understood, no menu needed
3
Eligibility explained, request captured
4
Outcome written to the core
Resolved without a transfer
Illustrative. Not live data.

Texts members trust enough to act on

Your name, logo and verified badge instead of a random number, that members can interact with naturally or take an action in one tap.

Verified sender members can recognize    
Conversational AI in the channel members use most
Tap to pay, schedule, call back, and more

Human-powered AI

The agents knows where its authority ends. When the experts are needed, the member is passed over live and your team already knows why.

Warm transfer to your team, live on the call
Approvals and exceptions sent to Teams
Interaction written to your core or CRM either way
Member asks for a loan modification
Warm transfer
Live, to a representative
Teams alert
Servicing channel notified
Email follow up
Sent automatically
Core and CRM
Interaction logged
Handed over with the full context
Illustrative. Not live data.
USE CASES

Real impact, real results

Five proven strategies

Collect More Payments

Catch it at day 12, not day 90.

Right party verification on every call
Payment taken on the call, PCI compliant
Promise to pay logged to the core
See early collections
65%
Of late accounts brought current
Against about 35% for the typical credit union
Hear the agent0:00 / 1:14
Early collections call

Reactivate relationships

Wake the accounts that went quiet.

Branded RCS agents first, voice as the follow up
Identify friction and remove it
No branch visit required from the member
Outcome written back to the core
See dormancy outreach
3-4x
Higher deposit share growth
Compared to traditional outbound strategies
3-5x re-engagement · 2-3x direct deposit acquisition
Hear the agent0:00 / 1:35
Dormant account reactivation call

Make the right first impression

Turn indirect borrowers into real members.

Welcome call within days of funding
Checking and direct deposit offered in context
Interest captured and routed to your team
See member onboarding
55%
Of calls end with the member enrolled in online banking
Digital adoption peaks in weeks 3 to 6 after booking, exactly when the calls land
Hear the agent0:00 / 1:39
Indirect loan welcome call

Book more loans

Keep every loan moving.

Chase missing paperwork the day an application stalls
Payment reminders before the late fee lands
The call record attached to the application itself
70%
Of contacted applicants still want the loan
Stalled applications put back in play, contributing to record loan months
Hear the agent0:00 / 1:02
Stalled application follow up call

Retain more deposits

Make the call before the rate shopper does.

Outreach timed to every maturity date
Current renewal options presented on the call
Member decisions captured, renewals delivered
100%
Of the CD retention goal met with the agent running the outreach
Matching what a dedicated human team had been delivering
Hear the agent0:00 / 0:58
CD maturity call
INTEGRATIONS

Your agent works inside the systems you already run.

Conversations do not end in a spreadsheet. The outcome is written back where your team already looks, so the record is there before anyone asks for it.

OVERSIGHT

Automation your compliance team can actually supervise.

Every call graded against your criteria, every action logged, and a person on the ones that need one.

82
/ 100
Experience score, early collections campaign
Good
71%
Warning
21%
Critical
8%
Call 4417, promise to pay
Passed
Call 4418, member asked for a person
Flagged
Illustrative view with invented data. Not a live console.

You can see what the agent did, on every single call.

Not a sample. Every conversation is scored against your criteria, and the ones that need a human land in a queue your team can actually work.

Recording, transcript, outcome and the record written back to your system stay tied together, so an examiner question has one answer rather than four.

Proven Results

See what some of our trusted partners have to say about the success they’ve found using Aviary’s revolutionary AI tools.

SUCCESS RATE
174%
Compared to national average (4.8%)¹
See case study
AviaryAI’s Voice Agents provided timely, compassionate, and effective support when our members need it most...
Mike Valentine
President / CEO, bcu
Our voice authorization agent improves regulatory compliance and frees up valuable time for human agents.
Mike Risley
CEO, Agenium
Automatically driving non-interest income at a 70% conversion rate made it a win-win.
Michael Abraham
CEO, Encurage

FAQ

Frequently Asked Questions

WHAT IS AVIARYAI?

So what exactly does AviaryAI do? AviaryAI is an AI voice agent platform built for credit unions, banks, and insurance companies. It automates outbound member calls and gives staff instant access to institutional knowledge through a compliance-grade AI built on a private large language model trained on financial services data. AviaryAI helps financial institutions increase contact rates, reduce operational costs, and improve member experience.

Which financial institutions is AviaryAI designed for? AviaryAI is purpose-built for credit unions, community banks, regional banks, and insurance companies — specifically those that need scalable AI-powered member outreach and internal knowledge tools with TCPA compliance, SOC 2 security, and full regulatory auditability built in.

Why not just use ChatGPT or another AI tool we already have? Unlike general-purpose AI platforms, AviaryAI runs on a proprietary large language model trained on financial services data. It includes TCPA-compliant outbound calling, SOC 2 certified data security, compliance guardrails, and 100% post-call auditing — purpose-built for the regulatory environment banks, credit unions, and insurance companies operate in.

OUTBOUND AI VOICE AGENTS FOR FINANCIAL INSTITUTIONS

What kinds of calls can it actually handle? AviaryAI automates collections calls, new member welcome and onboarding calls, loan follow-up calls for missing documentation, credit card activation reminders, cross-sell and product recommendation campaigns, and proactive member outreach ahead of digital banking conversions.

What kind of numbers are we talking about? Financial institutions using AviaryAI's outbound voice agents report a 42–47% member contact rate, an 84% reduction in cost per call, a 70% conversion rate on non-interest income campaigns, and 65% of early-stage delinquent accounts brought current, against about 35% for the typical credit union.

We're going through a digital banking conversion. Can AviaryAI help? Digital banking conversions typically trigger a 9x spike in inbound call volume even after email, SMS, and push notification campaigns. AviaryAI's voice agents proactively reach members before and after the conversion, answer questions in real time, guide members through the process step by step, and can reach thousands of members within hours — significantly reducing inbound volume and member confusion.

How human does it actually sound? AviaryAI's voice agents are built on a proprietary large language model trained on real financial services conversation data. The agents understand natural language, respond dynamically mid-conversation, adapt to what the member says, and speak in your institution's brand voice — consistently described as human-like by members and institution partners alike.

AI KNOWLEDGE BASE FOR BANKS AND CREDIT UNIONS

What's the AI Knowledge Base and why should our staff care? The AI Knowledge Base converts your institution's internal policy documents, product guides, and procedural materials into an instantly searchable resource that front-line staff can query in plain language during a live member interaction — without putting the member on hold. It reduces training time, improves consistency across staff, and frees supervisors from answering routine questions.

What problems does it actually solve day to day? AviaryAI's AI Knowledge Base solves four common operational problems in financial institutions: excessive new-hire training time, inconsistent information across staff, supervisors spending time answering routine questions instead of strategic work, and slower member service caused by staff searching for answers manually.

What happens when our policies or products change? AviaryAI provides simple update and configuration tools so compliance and operations teams can keep the Knowledge Base current as policies, products, and regulatory requirements evolve. The system also surfaces questions that staff frequently ask but existing documentation doesn't answer well — giving institutions a continuous feedback loop for improving their internal resources.

COMPLIANCE, SECURITY, AND GETTING STARTED

Is this actually TCPA compliant? Yes. AviaryAI is SOC 2 Type II certified, with end-to-end encryption and rigorous data protection protocols. All outbound voice agent calls are TCPA compliant with right-party contact technology. Every interaction is monitored and fully documented for regulatory auditability, and the underlying AI models include compliance guardrails that adapt to changing regulatory requirements.

How long does it take to get up and running? Average implementation time is under two weeks, with minimal technical resources required from your team. AviaryAI's onboarding includes configuring voice agents for your specific use cases and integrating with your existing systems before launch.

Is this going to replace our people? No. AviaryAI is designed to augment your team, not replace it. The platform handles high-volume, repetitive outbound calls and routine information lookups so your staff can focus on complex, relationship-driven work. When a call requires escalation, AviaryAI routes it to a human automatically.

Ready to Capture More Opportunities?

Schedule a demo to learn how AviaryAI can supercharge your institution’s outreach.

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