Security and deployment

Built for the regulatory reality of Indian financial services.

Certified and audited before a single conversation goes live, and deployed where your auditors need it: Zigment cloud in the India region, your own cloud, or your data centre.

Model agnostic · Zigment inference in India or in your cloud
AES-256 at rest · TLS 1.2 or higher in transit
Role based access with complete audit logs
Annual VAPT and penetration testing

India data residencyData and inference stay in the India region

On-prem or your cloudSame platform inside your perimeter, on your model

Never trained on your dataYour conversations stay yours, audit logs included

Certified and audited

Use cases

From the first enquiry to the last instalment, your agents run the work.

Not a slice of the journey. Every stage of it, on the channel your customer already uses, with the context from one stage carried into the next.

01 / 03

Click to WhatsApp campaigns

Your Meta and Google ads land in a conversation instead of a form. The agent captures intent at its peak, qualifies on the spot, and pushes the lead into your CRM before it cools.

Eligibility inside the conversation

The customer asks what they will actually get. The agent checks income, bureau and your policy rules, then answers with a real number instead of a callback promise.

Appointments and drop-off recovery

Branch visits, video calls and advisor slots booked against your live calendar. Missed calls and abandoned enquiries picked back up the same day.

Aadhaar eKYC and V-CIP

Identity verified inside the thread. Documents collected, corrected and re-uploaded without a portal, and V-CIP slots rebooked when a customer misses one.

Account opened, policy issued

CASA, demat, credit card or policy, completed in the conversation. Penny drop, eNACH mandate and eSign handled in sequence, with the application written into your LOS.

Drop-off recovery

The single largest leak in Indian financial funnels. The agent knows which step the customer stopped at and restarts from there, not from the beginning.

Always-on AI relationship manager

Balance, premium due, policy status, statement, coverage question. Answered from the record rather than an FAQ, at two in the morning, in the customer's own language.

Changes and claims

Nominee and address changes, card blocks and replacements, claim intimation and status, dispute intake. Endorsements processed, not logged as tickets.

Escalation with the full thread

When a licensed advisor is needed, they get the whole conversation rather than a summary. Nobody asks the customer to start again.

Pre-approved offers at the moment

Pre-approved loans, gold loan top-ups and card upgrades offered when behaviour says the customer is ready, then processed to completion in the same thread.

Cross-sell as a conversation

Insurance, riders and SIP top-ups offered against what the customer actually holds, with KYC for the new product already done.

Reactivation and re-KYC

Dormant accounts and lapsed users brought back before they are written off. Periodic re-KYC completed without a branch visit.

Bucket 0 and bucket 1

Early-stage collections handled politely, persistently and within policy. Higher contact rates than a dialer, at a fraction of the cost per resolution.

Promise to pay, and the follow-through

The agent captures the date the customer commits to, reminds them the day before, and escalates only when the promise actually breaks.

Lapse and renewal

Policies reached before the lapse date, premium increases explained, and the objection handled with real options in the same message.

Campaigns/FD launch · click to WhatsAppLive

Ad clicks18,240

Chats9,812

Qualified4,106

META AND GOOGLE ADS · % OF CHATS

Replied

92%

Qualified

42%

In CRM

42%

Account opened

18%

CRM · lead createdSuccess

sourceMeta CTWA

intentFD · 12 months

stageQUALIFIED

VelloraWhatsApp Business

Saw your ad. What is the FD rate?

7.25% for 12 months, 7.4% for senior citizens. Are you an existing customer?

I can open the account and book the FD right here. About eight minutes. Shall we start?

WHYIntent caught in a conversation at its peak, not on a form.

Customers

Let the results do the talking.

Small finance bank · Lending

Conversational workflows on Zigment, across WhatsApp, voice and every other channel, have helped us disburse loans 85% faster and at 70% lower cost.

Head of AI and InnovationOne of India’s largest small finance banks

READ THE STORY →

₹150Cr+

DISBURSED THROUGH
ZIGMENT AGENTS

2×

ONBOARDING
CONVERSION

28%

MORE QUALIFIED
HNI LEADS

Outcomes

The numbers a banking team is actually measured on.

Large small finance bankLoan journey, lead to disbursal

56%

more disbursals

35%

lower acquisition cost

70%

less sales executive time

Digital stock brokerAI-assisted onboarding

2×

onboarding conversion

52%

lower customer acquisition cost

75%

less support load

Wealth platformQualification and HNI engagement

28%

more qualified HNI leads

15%

higher throughput

80%

less tele-support load

Conversation Graph

Every conversation makes the next one better.

One thread per customer across every channel, agent and person. Every fact keeps its source, so the agent in July opens with what it learned in March.

Rohit Menon Sample customerCustomer since 12 Mar · Pune · Hinglish · prefers WhatsApp, evenings

Held by 4 AI · 1 person

One thread · 12 Mar to today, then what's plannedClick a bead

AdWhatsAppVoiceEmailYour systemsAI holds the threadPerson holds it

Ad12 MarAcquire

Clicked a home loan ad

Meta ad → WhatsApp at 9:41 pm

Written to the graph

Intent · home loan, about ₹60 lakhMeta ad

One profile per customer

Every application, call, message and branch visit on one continuous record, with the source of each fact kept against it.

Context that travels

WhatsApp and the branch are one conversation, not two. The relationship manager on day five opens with day one.

Signal back to your stack

Intent and outcome flow into your core, your loan origination system and your CRM as structured, usable data.

Observability

Every decision traceable to the rule that produced it.

Review any transcript, trace any decision back to the rule that fired, track completion and escalation, and run A and B tests on what is live.

Reports/All workflows · last 14 days6 workflows · 7 channels

Conversations48,210+12% vs prior

Completed by the agent91.4%+7.4 pts

Escalated to a human4.2%−3.7 pts

QA score96 / 100auto-scored, every chat

Completion and escalation, by daycompleted escalated

30 Sep6 Oct13 Oct

A/B test · FD renewal opener B rolled out

Your fixed deposit has matured. Would you like to renew?

18.2%

Your ₹3 lakh FD matured today. Renew at 7.25%?

24.7%

QA review · auto-scored

Meera I · home loan98

Anil S · promise to pay95

Ravi K · settlementdraft offered 18% waiver · blocked by guardrail, band is 15%71

Every conversation scored

Against your QA rubric, not the one or two percent your team can listen to by hand. Anything that breaches a rule is flagged the same day.

Open any transcript, see the reasoning

Every agent action logged with the rule that fired and the source it read, produced as the work happens rather than assembled later for a reviewer.

Test before, measure after

Simulate thousands of conversations before a customer sees the agent, then run A and B tests across prompts and workflows on what is live.

Channels and integrations

One agent, on every channel and every system you already run.

Nothing is replaced. Zigment reads from and writes back to the systems your teams already work in, on the channels your customers already use.

CHANNELS · plus any channel with an API

Voice, in and out

RCS

SMS

Instagram

Messenger

Google Business

Web chat

In-app

Works with the stack Indian BFSI already runs · 60+ connectors, and your own APIs as private apps

Core banking Finacle

Oracle Flexcube TCS BaNCS

BaNCS+4 more

Loan origination Nucleus FinnOne

FinnOne Newgen

Newgen+3 more

Account Aggregator

+6 more AAs

Bureaus TransUnion CIBIL

KYC and recordsCKYC DigiLocker

Protean

Digio+5 more

Payments and mandates

Razorpay Cashfree

AutoPay NPCI eNACH

eNACH+8 more

CRM and dialer

SalesforceLeadSquared HubSpot

HubSpot

Zoho CRM Exotel

+10 more

Conversational Revenue Orchestration for banking, insurance, lending and wealth

Silos between your customers and your systems.

One orchestration layer runs all of it.