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Anovia for Finance · banks, lending, insurance

The voice agent that recovers receivables and serves customers.

An autonomous AI agent runs soft collections, handles customer cases and qualifies applications — empathetically, consistently and in line with regulations. With ElevenLabs-grade voice, optionally fully on-prem.

Book a demo  →See how it works
30-day pilot · shadow mode · pay for recovered receivables
Adam · Anovia agent· soft collections
ADAMHello Mr Kowalski. I’m calling about an overdue instalment. I’d be glad to help find a workable solution.
CUSTOMERHonestly? It’s a tougher month for me right now…
ADAMI understand, thank you for being open. We can split it into 3 instalments — the first in two weeks. Works?
CUSTOMERYes, that sounds reasonable.
ADAMGreat. I’m setting up the schedule and sending an SMS confirmation.
✓ Repayment plan agreed · receivable recovered
+80%higher recovery effectiveness
40–60%lower operating cost of conversations
∞conversations in parallel, with no extra headcount
Problem

Cost grows linearly with the number of calls

A contact centre doesn’t scale cheaply: hard-to-reach customers, low personalisation and pressure on experience. The more cases, the higher the cost and the lower the effectiveness.

1

Slow recovery

Receivables age faster than the team can call.

2

Rising cost

Each extra conversation is another FTE — cost scales linearly.

3

Inconsistency and risk

Inconsistent calls and regulatory risk without an audit trail.

Solution

An agent that resolves cases — not just dials

Anovia holds the conversation, agrees a plan and acts in your systems — with a full audit trail. Empathetic, consistent, 24/7.

CollectionsHERO

Soft collections: empathetic repayment conversations, agreeing and setting up instalment plans.

Customer service

Answers calls, resolves cases and responds to questions about products and balances.

Kwalifikacja / KYC

Qualifies applications and leads, collects data and routes to the right path.

How it works

From conversation to action — in one flow

1

Channels

Phone / IVR, SMS, chat, email.

2

Anovia agent

Understands speech and talks with an AI voice.

3

Data + policy

Balance, history, policy and scripts.

4

Action + audit

Sets up the plan, updates the system, logs everything.

The agent doesn\u2019t stop at talking — it agrees a resolution, executes it and leaves a full compliance trail.

Demo · 3 use-case'y

See the agent in action

Three real conversations from a financial institution — each ending in a hard result.

Soft collections

Agrees a repayment plan

PAWEŁHello Mr Kowalski. This is Paweł from the bank. I’m calling about an overdue instalment — I’d like to help find a workable solution.
CUSTOMERHonestly? It’s a tougher month right now.
PAWEŁI understand, thank you for being open. We can split it into 3 easy instalments — the first only in two weeks. Works?
CUSTOMERYes, that sounds reasonable.
ACTION Setting up a 3-instalment plan · updating the system · sending SMS confirmation
✓ Repayment plan agreed · receivable recovered
Customer service

Resolves the case

CUSTOMERHello, I made a transfer but I can’t see it on my account — what’s going on?
EWALet me check… I can see the transfer — it’s processing and will post by tomorrow morning.
CUSTOMEROh, good. Thanks for checking so quickly.
ACTION Checking transaction status · adding a note in CRM
✓ Case resolved without an agent
Kwalifikacja / KYC

Qualifies an application

BARTEKHello! Thank you for your loan application. I’ll ask a few quick questions to speed it up — just a moment.
CUSTOMERSure, go ahead.
BARTEKThank you, everything checks out. I’m passing your application to an analyst — you’ll get a decision by email today.
ACTION Collecting data · initial qualification · handing to an analyst
✓ Application qualified and ready for a decision
Results

Higher effectiveness, lower cost — at scale

The agent runs any number of conversations in parallel, to the same standard 24/7, and documents every one. Shorter DSO, lower operating cost and a better customer experience.

↑ effectiveness

a higher share of recovered receivables

↓ koszt

40–60% lower operating cost

shorter DSO

faster recovery

audyt

every conversation documented

Why Anovia

Designed for the regulated sector

A

Premium-grade voice

ElevenLabs: empathetic, natural speech — builds trust in a difficult conversation.

B

Sovereign / on-prem

Transaction and KYC data never leave the organisation — deployed in your environment.

C

Full audit trail

Every decision and conversation documented — ready for compliance.

D

Pay for outcomes

Paid for recovered receivables — our interest aligned with yours.

Security & compliance

Compliance-ready

GDPR, AI Act, DORA and NIS2 compliance. Privacy-by-design, caller disclosure and full documentation. For financial institutions — on-prem / sovereign deployment where data never leaves the organisation.

Integrations

We plug into your stack

Collections systemsCore bankingCRM Telephony / IVRLending systemsSMS / e-mail
Engagement model

You pay for recovered value

Outcome-based HERO

  • % of the recovered receivable
  • A fee per agreed repayment plan
  • Aligned interest: you pay when you recover

Hybrid base

  • Per-agent subscription (access, maintenance, SLA)
  • Usage: minutes / messages
  • Service / KYC: subscription + usage

We start outcome-based with collections — where impact is fully attributable.

30-day pilot

Let’s recover receivables smarter.

Let’s start with one case type in shadow mode — with measurable impact before the agent goes live.

Book a demo / pilot ← All solutions

office@anoviaagents.com · Warsaw

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