Trust & compliance
Built for calls a regulator might listen to.
Collections and lending calls are governed by the RBI's Fair Practices Code, recovery-agent guidelines and India's data protection law. vobo is designed so the safe path is the only path.
01
Guards, not good intentions
Language models are persuasive. The rules that matter — identity before disclosure, figures from your data, opt-out, hardship, consent — run as code around the model and can veto a reply before it is spoken.
02
Your words, word for word
Disclosures, recording notices, settlement wording and closing lines are spoken exactly as you approve them, in Hindi and English, not paraphrased by a model.
03
Every call is evidence
Recording, timed transcript, the decisions the agent took and why, and a disposition — kept for audit and searchable by your team.
04
People stay in charge
Transfers to your team, callbacks at the customer's time, and an escalation path for anything outside the script.
02Controls
What runs on every call
- Identity first
- Says nothing about the loan until the right person confirms who they are. Relatives and wrong numbers get a neutral line and a callback, never details.
- Calling windows
- Journeys only dial inside the hours and days you set per campaign, with retry limits per contact per day.
- Opt-out & DNC
- “Don't call me again” is honoured on the call and blocks the number for that client across every campaign.
- Hardship
- Medical, bereavement and job-loss situations stop the ask, close kindly and flag the account for your team.
- Figures
- Amounts, dates and rates come only from your data. A guard checks every spoken figure before it reaches the caller.
- Consent
- Payment and application links are sent only after a clear yes to the question the caller actually heard.
- Recording
- Recording disclosure in the opening line, per client. Every call is recorded, transcribed and returned with a disposition.
- Data residency
- Telephony, recordings and customer data are stored on servers in Mumbai. India-region models are available per agent.
03Data
Your customers' data, handled like it's ours to protect
- Where data lives
- Telephony, recordings, transcripts and customer data are stored on servers in Mumbai.
- Models
- Speech and language models run on India-region endpoints where available; any exception is disclosed per agent and can be switched off.
- Access
- Role-based access per client; clients see only their own calls and contacts.
- Retention
- Recordings and transcripts are kept for the period you set in your agreement.
- Your contract
- We sign your DPA and work with your InfoSec questionnaire. Talk to us for the details.
Hear it yourself
Talk to vobo. It takes a minute.
Pick a scenario, take a call in your browser or on your phone, and try to trip it up. Switch languages, interrupt it, ask it something odd.