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AI that is accountable, in banking and financial services.

Abbie · speaking
Collections, disputes and customer onboarding with collections rules, verified identity and recording in the institution's systems.
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01What the industry requires

Three conditions for being able to operate.

Collections, disputes and customer onboarding with collections rules, verified identity and recording in the institution's systems.

  • Condition

    Collections rules

    Contact during permitted hours, without pressure and only with the approved options.

  • Condition

    Verified identity

    Before reporting a balance or recording an agreement.

  • Condition

    Record in the system

    What is agreed in the conversation is saved in the institution's systems.

02Use cases

Who acts, under which rules and what gets recorded.

The actions come from the proposed initial Abbi Actions catalog; each implementation confirms which ones are enabled.

Banking and financial services

Collections, disputes and customer onboarding with collections rules, verified identity and recording in the institution's systems.

Marco The operation is validated against each market's regulations; for example, CONDUSEF collections rules in Mexico and the FDCPA / Regulation F in the United States.

Abbie

Preventive collections and promise to pay

Situation

A customer has a payment about to fall due or already past due and needs an option that works for them, without pressure.

How it is resolved

  1. Abbie introduces herself as the institution's artificial intelligence assistant and verifies identity.
  2. She checks the balance in the collections system, which is the authorized source.
  3. She offers only the approved options and, if the customer accepts, records the promise or generates the payment link.
  4. If she detects vulnerability or the customer asks, she transfers to a person with the full context.
Abbi Actions
Verify identity · Generate payment link · Record promise to pay
Controls
Contact hours permitted by regulation · No pressure or threats · Does not make up amounts, deadlines or rates · Credit decisions belong to the institution; Abbie informs, records and escalates
Verifiable outcome
The promise the customer heard matches the one saved in the system.
Abbie + Caddie

Payment agreement

Situation

A customer in arrears asks to restructure their debt. The agreement requires conditions that must be met before it is signed.

How it is resolved

  1. Abbie identifies the request and verifies the conditions approved for the case.
  2. If the case exceeds her mandate, she hands it to a human agent with the full context.
  3. Caddie guides that person, prepares the agreement and blocks the closing if a mandatory requirement is missing.
  4. The human agent authorizes; the agreement and its document are recorded.
Abbi Actions
Generate agreement · Send document
Controls
Mandatory requirements verified before closing · Exceptions only with explicit, traceable permission · Credit decisions belong to the institution; Abbie informs, records and escalates
Verifiable outcome
Every agreement has its evidence: conditions, authorization and document sent.
Caddie

Disputing a charge

Situation

A customer calls because they don't recognize a charge. The human agent must follow the procedure and provide a reference number.

How it is resolved

  1. Caddie gathers the context the human agent has access to and recommends the next step, with its source.
  2. He keeps the checklist of the current procedure.
  3. He prevents the interaction from being closed if the dispute reference number has not yet been generated.
Abbi Actions
Create ticket · Verify identity
Controls
Closing blocked without a reference number · Distinguishes what is confirmed from what is pending confirmation · Credit decisions belong to the institution; Abbie informs, records and escalates
Verifiable outcome
No dispute is closed without its ticket and its reference number.

Illustrative examples, not existing deployments. The actions, channels and systems in each case depend on the implementation.

03Agentic use cases

Abbie converses and executes the action in your systems.

End-to-end processes from the agentic use case catalog, with the conversation, each action and the system where it is recorded. Illustrative conversations, not existing deployments; actions, channels and systems depend on each implementation.

Illustrative conversations, not existing deployments; actions, channels and systems depend on each implementation.

Case 03Collections

Collections with payment confirmation

Applies to Banking · Telecom · Services · Credit retail

Illustrative conversation

  1. AbbieI'm Abbie, an AI assistant. You have a balance of $1,280 due today. Shall I send you a payment link?
  2. ClientYes, by WhatsApp.
  3. AbbiePayment received. Your account is now up to date and I've sent you the receipt.

Hours permitted by regulation; no pressure; does not make up amounts.

What Abbie executes

StepActionSystemOutcome
1Checks balance and due dateCollections systemCurrent balance
2Verifies identityCRMAccount holder verified
3Generates payment linkPayment gatewayLink sent
4Confirms the payment onlinePayment gatewayPayment confirmed
5Applies the payment to the accountERP / coreAccount up to date
6Sends receiptEmail / messagingReceipt delivered

Before, without an agent

  • The collector makes a promise; the payment is reconciled days later
  • No confirmation to the customer
  • Repeated calls to people who already paid
6 actionsin 5 systems, executed and recorded by Abbie in a single contact [flujo]
2.15×service minutes per position compared with a human agent [1]
−62 %cost per service minute compared with a human agent [1]
See the case in the catalog →
Case 04Collections

Payment agreement with signature

Applies to Banking · Lending · Utilities

Illustrative conversation

  1. ClientI can't pay it all this month.
  2. AbbieI can offer you 3 payments of $2,100 under the approved conditions. Shall we make it formal?
  3. AbbieI've sent you the agreement for signature. Once you sign, I'll schedule the payments and remind you of each date.

Outside her mandate, she hands over to a person; Caddie blocks incomplete closings.

What Abbie executes

StepActionSystemOutcome
1Verifies approved conditionsCollections rulesValid options
2Offers only authorized optionsAbbi ActionsOption accepted
3Generates the agreementCollections systemAgreement with reference number
4Sends for electronic signatureElectronic signatureAgreement signed
5Schedules the paymentsCollections systemSchedule created
6Sends remindersMessagingNotices scheduled

Before, without an agent

  • An advisor puts the agreement together by hand
  • Signature in person or by email
  • No reminders for each payment
6 actionsin 5 systems, executed and recorded by Abbie in a single contact [flujo]
80 %of common cases resolved without human intervention (2029 projection) [3]
−30 %operating cost with agentic AI (2029 projection) [3]
See the case in the catalog →
Case 09Onboarding

Customer onboarding with a digital contract

Applies to Banking · Telecom · Energy · Fintech

Illustrative conversation

  1. ClientI want to sign up for the 500 Mbps plan.
  2. AbbieI need your ID and a proof of address. You can upload them here.
  3. AbbieDocuments validated. I've sent you the contract; once you sign it, I'll schedule the installation.

Exceptions only with human authorization; Caddie blocks incomplete files.

What Abbie executes

StepActionSystemOutcome
1Receives and validates documentsIdentity validationComplete file
2Creates the customerCRMCustomer registered
3Generates the contractContract managerContract with reference number
4Collects the signatureElectronic signatureContract signed
5Schedules the installationField scheduleVisit confirmed
6Sends welcome message and contractEmailDelivered

Before, without an agent

  • Documents by email or at a branch
  • Double data entry in several systems
  • Files returned for missing items
6 actionsin 6 systems, executed and recorded by Abbie in a single contact [flujo]
3.5×hours of coverage: 168 h/week compared with 48 h for an 8 × 6 shift [calculation]
$8.01 → $0.10USD per contact: agent-assisted compared with self-service [2]
See the case in the catalog →
Case 13Service

Charge dispute and card block

Applies to Banking · Fintech · Store cards

Illustrative conversation

  1. ClientI don't recognize a $3,200 charge.
  2. AbbieI see it. To protect you, shall I block your card now?
  3. AbbieCard blocked, dispute opened with a reference number and a replacement on its way to your address.

Dispute resolutions belong to the institution.

What Abbie executes

StepActionSystemOutcome
1Verifies identity with enhanced checksIdentity validationAccount holder verified
2Looks up the transactionCore bankingCharge located
3Blocks the cardCore bankingCard blocked
4Opens the disputeDisputes systemReference number issued
5Requests a replacementCard issuingReplacement in progress
6Sends reference number and timelinesEmail / SMSCustomer notified

Before, without an agent

  • Waiting on hold with the card still active
  • The reference number is not always provided
  • Replacement in a separate call
6 actionsin 5 systems, executed and recorded by Abbie in a single contact [flujo]
2.15×service minutes per position compared with a human agent [1]
−62 %cost per service minute compared with a human agent [1]
See the case in the catalog →
04Compliance by design

Standards we follow for your industry.

We don't adapt to regulation afterwards; we build from it. We design the solution following these models and reference frameworks.

Financial sector
The provisions of each market's supervisory authorities; for example, CONDUSEF collections rules in Mexico and the FDCPA / Regulation F in the United States.
Payments
PCI DSS requirements for handling payment data.
AI management and risk
ISO/IEC 42001 and the NIST AI Risk Management Framework, with the EU AI Act as a reference.
Personal data protection
GDPR (European Union), LFPDPPP (Mexico), LGPD (Brazil), Law 1581 (Colombia), Law 81 (Panama) and the equivalent regulations of each country where we operate.

We follow these standards in building our products and services. When a client requires it, we make the corresponding documentation available.

05Which offer fits

Start with one process, grow with data.

  • Product A

    Abbie

    Talks with your customers and acts in your systems, within her mandate.

    Meet Abbie →
  • Product B

    Caddie

    Guides the human agent and blocks critical steps. The human agent decides.

    Meet Caddie →
  • Product C

    Abbi Actions

    Operations with a verifiable outcome and an audit log.

    Explore the actions →
  • Service F

    Process consulting

    Diagnosis and a design ready to implement in your operations.

    Let's design the process →

Illustrative cases, not existing deployments.

Tell us which process you want to improve.

Your request goes to the partner assigned to your company.

Let's talk about your operations

or write to us at hola@abbiamo.ai