Industry’s First Outbound

AI Voice Agent for Banks

Your team can't call every customer who needs attention. AviaryAl's Al voice agents handle the outbound calls that drive revenue and retention: collections, loan servicing, onboarding, engagement, and more. Enterprise Al performance without enterprise complexity. Live in 14 days.

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Enterprise Banks Have Armies of Callers. You Have a Better Option.

Community and regional banks compete on relationships. You know your customers, their businesses, their financial goals. That personal touch is your advantage over the megabanks, until it becomes your bottleneck. Collections backlogs grow. New customers get a welcome email instead of a welcome call. Dormant accounts quietly close.

The enterprise banks solve this with hundreds of agents and massive financial services contact centers. That's not realistic for a community bank.

Most banking Al solutions

Most banking Al solutions are designed for inbound: chatbots and virtual assistants that answer questions when customers call in. That doesn't solve the outbound gap: the thousands of proactive customer contact calls your team should be making but can't.

AviaryAl is the outbound Al voice agent platform purpose-built for financial services. As a conversational Al for banks that goes beyond chatbots, our Al proactively reaches out, making natural, two-way phone calls that handle real tasks: collecting payments, reminding customers about due dates, welcoming new account holders, reactivating dormant relationships.

At a cost and complexity level that works for community and regional banks.

Built for Banks Underserved by Enterprise Solutions

The financial services Al market is full of platforms built for the top 50 banks: complex implementations, six-figure minimums, 12-month timelines.

When it comes to banking technology, community and regional banks get watered-down versions or generic tools not designed for regulated financial services.

AviaryAl was built differently. Among ai banking solutions, our platform delivers Al performance and financial services compliance rigor that banking demands, without the enterprise overhead.

We work with banks that want to extend their team's reach to every customer who needs attention, complementing their bankers' expertise with Al that handles high-volume outbound work.

QUICK STATS

2M+

Calls Made

42%

Contact Rate

27%

Call Success Rate

S22

Y Combinator S22 Backed

SOC 2 Type II certified, TCPA compliant, built on private LLMs

USE CASES

One Platform, Every Outbound Use Case Your Bank Needs

AviaryAl's Al voice agents handle the high-volume, time-sensitive outbound calls that drive collections recovery, customer retention, and revenue growth. Each use case is built with banking-specific conversation flows, compliance guardrails, and core system integrations. Financial services automation that works alongside your team.

Collections & Delinquency Management

Recover More, Earlier. Your Team Handles the Complex Cases.

Early-stage delinquency is the highest-leverage point in your collections process. Customers 15 or 30 days past due are significantly more likely to pay when contacted quickly, but most bank collections teams can only prioritize severely delinquent accounts. Without Al collections support, early-stage accounts slip through and become costly charge-offs.

AviaryAl's Al voice agents support your first-party collections outreach at scale. The Al contacts customers with past-due accounts, has a natural conversation, and secures promise-to-pay commitments consistently and compliantly. This is debt collection Al that augments your team's efforts.

For banks with accounts receivable management software already in place, AviaryAl integrates directly, pulling delinquent account data and pushing call outcomes back into your existing systems.

How It Works

Your core system identifies delinquent accounts. AviaryAl places outbound calls at optimal times, confirms identity, discusses the past-due balance, presents payment options, and records commitments. Every interaction is logged with a complete audit trail. Accounts needing human judgment route to your collectors with full context.

What banks gain:

Higher right party contact rates through intelligent call timing and persistent follow-up
Consistent, compliant collections conversations on every call
Early-stage intervention that reduces roll rates, charge-offs, and third-party collections need
Collections automation that handles volume so your team focuses on complex, high-balance accounts
Full FDCPA compliance, Reg F, and TCPA compliance on every call

Loan Servicing & Payment Reminders

Prevent Delinquency Before It Starts

The cheapest collections call is the one you never have to make. AviaryAl's Al voice agents contact customers before their loan payment is due with a proactive loan payment reminder that reduces late payments and downstream costs.

Beyond reminders, Al loan servicing calls handle routine communications: escrow notices, rate adjustments, document follow-ups, missing title reminders, payoff quote requests. Loan servicing automation that gives your team back hours for complex interactions.

What banks gain:

Automated loan payment reminders that reduce first-payment defaults
Proactive communication customers actually respond to
Scalable loan servicing automation that extends your team's capacity
Consistent follow-up on missing documents and time-sensitive actions

Customer Onboarding

Turn New Accounts Into Active Relationships From Day One

The first 90 days of a banking relationship determine long-term profitability. Customers who activate their debit card, set up direct deposit, and enroll in digital banking within the first month are dramatically more likely to become primary banking customers.

AviaryAl's Al voice agents call every new customer within days of account opening: welcoming them, walking through key services, answering common questions, and driving early product activation. Al customer onboarding that complements your bankers' personal attention.

What banks gain:

Consistent onboarding for every new customer
Natural welcome calls that strengthen first impressions
Higher early product adoption: direct deposit, digital banking, debit card usage
New account onboarding that surfaces cross-sell opportunities immediately
Reduced early attrition and dormancy

Customer Engagement & Dormant Account Reactivation

Proactive Outreach That Protects Relationships and Recovers Revenue

You can see which customers are disengaging: declining transactions, unused products, no digital banking logins. What's missing is the capacity to act on it.

AviaryAl makes proactive customer contact a continuous operation. Our Al voice agents reach out to dormant accounts, at-risk customers, and underengaged segments with personalized outreach. Customer engagement Al that acts on your data in real time, surfacing warm opportunities for your bankers.

What banks gain:

Continuous dormant account reactivation, not just a quarterly campaign
Proactive customer engagement that deepens wallet share and retention
Customer engagement Al that surfaces at-risk accounts for your team
Scalable outreach that turns customer intelligence into conversations

Card Activation

Every Unactivated Card Is Revenue Sitting in a Drawer

Interchange income starts when customers activate and use their cards. AviaryAl's Al voice agents call customers with unactivated cards, walk them through activation, and ensure they start transacting immediately.

What banks gain:

Higher card activation rates through persistent, well-timed outbound calls
Faster time-to-first-transaction and faster interchange revenue
Natural phone conversations that address questions or hesitations on the spot

Appointment Scheduling

Fill Your Bankers' Calendars While They Focus on Face-to-Face Relationships

Whether it's a mortgage consultation, business banking review, wealth management introduction, or loan closing, phone-based Al appointment booking converts at higher rates than email or digital self-scheduling. AviaryAl's Al voice agents call customers to schedule, confirm, and remind them about upcoming appointments.

What banks gain?

Al-powered appointment booking that fills calendars for loan officers, relationship managers, and branch bankers
Automated appointment reminder calls that reduce no-show rates
Scheduling automation that integrates with your existing calendar and CRM

Cross-Sell & Product Recommendations

Turn Customer Data Into Revenue Conversations

Your data tells you which customers qualify for a home equity line, auto refinance, business credit, or CD. The gap isn't insight, it's execution. AviaryAl's Al voice agents make personalized outbound calls based on customer profiles, presenting relevant recommendations in a natural conversation. When a customer expresses interest, the call routes to your banker with full context.

What banks gain:

Data-driven cross-sell outreach at a scale that complements your bankers
Product recommendation calls that feel consultative, not transactional
Qualified warm handoffs for interested customers
Higher response and conversion rates than email, direct mail, or digital campaigns

Not Another Chatbot. Not Another IVR. An Outbound Al Service Team.

Most banking Al solutions, and most banking automation in this space, are built for inbound. AviaryAl is fundamentally different.

Outbound-First

We proactively reach out to customers who need attention: delinquent borrowers, new account holders, dormant relationships, unactivated cardholders. Only 18% of financial institutions make proactive outbound calls. AviaryAl makes your bank one of them.

Natural, Two-Way Conversations

Natural, Two-Way Conversations AviaryAl's Al voice agents listen, respond, handle objections, answer questions, and complete sks. Customers interact with an ultra-realistic voice that represents your bank's brand.

Human-In-The-Loop

When a conversation needs human judgment, the call transfers seamlessly with full context. No dropped calls. No re-explaining.

Financial services compliance built in.

Private LLMs, TCPA compliance, FDCPA compliance, Reg F, SOC 2 Type II. Compliance-first architecture, not a bolted-on layer.

14-Day Deployment

AviaryAl connects to your core banking system and goes live in 14 days. Minimal IT involvement.

Compliance & Security Built In

AviaryAl runs on private LLMs purpose-built for regulated financial services. Every outbound call meets full TCPA compliance and FDCPA compliance standards, is Reg F compliant for collections, fully logged with complete audit trails, and SOC 2 Type II certified. Your compliance team can review any call, any time.

Learn More

More Calls, Better Outcomes, Amplified Team Impact

Cost per routine call

Al voice agents handle high-volume routine calls at significantly lower cost. For collections, payment reminders, and onboarding, savings add up quickly.

Contact rate

42% across financial services, 174% above the national average. More contacts mean more payments collected, cards activated, appointments booked, and customers retained.

Call success rate

27% of calls result in a completed action. That's not just reaching someone it's getting a payment commitment, confirming an appointment, or activating a card.

Extended team capacity

AviaryAl handles the high-volume outbound calls your team can't get to. Your bankers stay focused on complex, relationship-building work.

Consistent call quality

Same standards, same compliance protocols, same professional toneon every call.

Proven Across 2 Million+ Outbound Calls

AviaryAl has made over 2 million outbound calls for financial institutions.

42% contact rate

174% above the national average

27% call success rate

More than one in four calls results in a completed action

Consistent call quality

Same standards on every call, every day

From Kickoff to Live Calls in 14 Days

STEP

Connect

We integrate with your core banking system and configure call rules based on your use cases, compliance requirements, and brand voice.

STEP

Configure

Our team builds your Al voice agent's conversation flows, tailored to your bank's language, policies, and customer expectations. You review and approve before anything goes live.

STEP

Launch

Your Al voice agents start making outbound calls alongside your team. Every interaction is logged, tracked, and measurable from day one.

STEP

Optimize

We continuously analyze performance, contact rates, and outcomes, refining flows and timing to improve results month over month.

FAQ

Frequently Asked Questions

What is an AI voice agent?

Software that uses large language models for natural, two-way phone conversations. Unlike an IVR or robocall, AviaryAl's agents listen, respond dynamically, answer questions, and complete tasks: collecting payments, booking appointments, activating cards.

How is AviaryAl different from banking chatbots?

Chatbots and virtual assistants are inbound tools. AviaryAl is outbound-first: we proactively call your customers. It's the difference between answering the phone and picking it up.

Is this compliant with banking regulations?

Yes. TCPA compliance (consent management, time-of-day restrictions, DNC compliance). FDCPA compliance and Reg F for collections. SOC 2 Type II certified. Private LLMs, no data shared across clients.

What core banking systems does AviaryAl integrate with?

FIS, Fiserv, Jack Henry, and others. We also connect with CRMs, collections platforms, and loan origination systems.

How long does it take to go live?

Most banks are live within 14 days. Your IT involvement is typically limited to API access and a final review before launch.

What happens when the Al can't handle a conversation?

The call transfers seamlessly to your team with full context. The customer doesn't re-explain anything. AviaryAl handles routine, high-volume calls so your people focus on complex situations.

Can we control what the Al says?

Every conversation flow is configured to match your bank's brand voice, policies, and compliance requirements. You review and approve all scripts before they go live.

How do you handle collections conversations?

Structured flow: identity verification, account status, payment options, promise-to-pay capture. Professional tone, full FDCPA compliance and Reg F standards, every call recorded and audit-ready.

What reporting do we get?

Contact rates, right party contact rates, call outcomes (payments, appointments, activations), conversation quality, and compliance metrics. Real-time dashboards plus monthly performance reviews.

How does cost compare to human agents?

Significantly lower cost per completed routine call. Banks typically see meaningful cost efficiency on high-volume use cases while increasing total calls made. We can walk through ROI math specific to your bank during a demo.

What does banking automation look like with AviaryAl?

AviaryAl augments your team's outbound capacity: collections, payment reminders, welcome calls, card activation, appointment scheduling, cross-sell, and customer engagement. Financial services automation that amplifies your team.

Is AviaryAl only for large banks?

No. AviaryAl is specifically designed for community and regional banks. Our 14-day deployment, minimal IT requirements, and usage-based pricing make it accessible to banks with $250M+ in assets.

Enterprise Al Performance. Community Bank Simplicity.

Your customers deserve proactive communication. Your team deserves technology that amplifies their impact. AviaryAl brings both together: outbound Al voice agents proven across 2 million+ calls, built for regulated financial services, and live in 14 days.

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