FCIConversation intelligence for banks
Every client conversation, understood in every language.
FCI conducts, assists and checks every conversation between a bank and its clients, whether an AI agent or a banker leads it, and turns it into data the whole bank can use.
The problem
Banks talk to millions of clients and understand very little of it.
Reach
One language, many clients
KYC refreshes and arrears go out by letter or a Russian-only call centre, while many clients are more at ease in Tatar, Uzbek, Kazakh or Tajik.
Control
Quality checked by sampling
Supervisors listen to a small sample of calls. Pressure wording, 230-FZ breaches and mis-selling go unseen until a complaint.
Productivity
Bankers chasing paperwork
Relationship managers spend hours on document follow-ups and payment reminders instead of advising clients.
Knowledge
Conversations lost as data
What clients say about hardship, intent and reliability never reaches the risk models.
The platform
Two modes, one case file, one quality system.
Autopilot is the AI agent calling or chatting on the bank’s behalf. Copilot is the same intelligence beside a banker during a call or a meeting. Both land in the same place.
Client conversation
Voice, chat or branch meeting, in the client’s language
Autopilot
AI agents call and chat for the bank
Copilot
Live assistant for bankers and the call centre
Quality & compliance
Every conversation scored, same rules for AI and people
Behavioural brain
Features reused by risk, collections and CX
The same case file, the same rules, the same evidence. Only who leads the conversation changes.
Five environments
Each team enters its own tool.
Business case
Where the value comes from.
An illustrative model for a tier-1 bank. Every lever is measured on the bank’s own volumes.
| Lever | Hypothesis | RUB / year |
|---|---|---|
| Contact cost | 12M collection contacts, 85% by AI agents, RUB 120 → RUB 10 per contact | 1.1 bn |
| Recovery | +3 pts cure rate on RUB 60bn entering early arrears, half of it loss avoided | 0.9 bn |
| KYC refresh | 1.5M files, RUB 1,500 → RUB 200 per file, same day instead of about 9 days | 2.0 bn |
| Banker time | 6 hours a week freed per relationship manager, at RUB 2,500 an hour | 1.4 bn |
| Compliance | 100% of conversations scored instead of a sample; 230-FZ breaches stopped live | risk avoided |
Freed banker time is counted as capacity, not headcount.
The data brain
A behavioural brain the whole bank reuses.
The bank stops knowing only what clients own and starts knowing how they behave. Data stays in the bank; our edge is the models and the library of grids, guardrails and playbooks that improves with every deployment.
Conversations
Voice, chat, meetings · AI and human
Events
Promises, declarations, documents, disputes
Features
Versioned, consented, quality-checked
Departments
Credit risk, anti-fraud, collections, customer experience
Why us
Risk expertise meets voice AI.
Banks buy risk control first. We bring audit discipline to every conversation, in every client’s language.
Risk, compliance & audit
- About 20 years of security, compliance and audit experience with international retail groups
- KYC and due-diligence methods already applied to corporate suppliers
- Audit practice turned into scoring grids, controls and evidence
Voice AI & linguistics
- Production voice AI experience, including a successful exit
- Linguists who adapt tone, posture and culture, region by region
- 11 regional languages, including low-resource ones such as Tatar, Bashkir and Tajik
Contact
See FCI on your own conversations.
A 30-minute demo of the five environments, then a first look at where FCI would have the most impact in your bank.
[contact@yourdomain]