Weeks from application to disbursal.Most of it spent waiting for a customer who already said yes.
Zigment orchestrates every system you already own. The agent picks up each applicant the moment they land, qualifies them in their own language, and carries them through eKYC and verification inside the conversation. Your team gets a case that is ready. It sits on top of your core or your ledger, your LOS and your CRM. Cloud, or inside your own data centre. Built on the Conversation Graph.
Acquisition holds the click. The LOS holds the application. The KYC vendor holds the verification. The core or the ledger holds the account. Six categories of systems, and a hundred more inside them. Each one works. Each one holds a fragment. So every conversation starts from zero, and every handoff loses a little more.
Three places it costs you:
01
Acquisition and first response.
The application starts at midnight. Your team picks it up at nine, in one language, on the phone. By the time anyone speaks to them, the lead is cold and already paid for.
Someone clicks a WhatsApp ad or fills a form. The agent picks up on whatever channel they used and qualifies product, eligibility and intent inside the conversation instead of on a form. New-to-bank accounts, credit cards, personal and business loan qualification. Pre-approved offers to existing customers as a conversation, not a blast. On WhatsApp, on web, or on an inbound call. In the language they chose.
Omnichannel Agents · Voice AI
The agent reads exactly where the application stopped and re-engages with the specific next step. Document collection, eKYC, V-CIP scheduling, penny drop, e-Sign, eNACH. All inside one conversation. Your verification vendors stay exactly as they are. The agent drives them, and recovers the drop-offs they never see.
Workflow Orchestration
Activation nudges. Cross-sell to existing customers. Gold top-up, FD, top-up loans. Renewals and lapse recovery. Re-KYC outreach that used to mean a field visit. Early-bucket collections that stay inside your Fair Practices Code. Same thread. Same memory.
Conversational Intelligence
Agents run acquisition, onboarding and collections. Click-to-WhatsApp acquisition at 35% lower cost than existing channels. Onboarding compressed from 26 days to 8 hours. Seventy per cent of sales-executive time returned from document collection, KYC and form corrections.
Agentic onboarding across a multi-step flow, with a specific nudge at each drop-off point. Conversion roughly doubled. Support load cut by three quarters.
Round-the-clock engagement across webinar campaigns. High-net-worth prospects surfaced from the conversation and handed to the relationship team with context attached.
Engage every applicant the moment they land. Qualify in their language. Put pre-approved offers into two-way conversations instead of blind blasts.
Rescue the applicant who stalls at document upload. Carry every new customer from signed up, to funded, to actually using the product.
Cross-sell to existing customers. Run re-KYC and renewals as a conversation instead of a visit. Reach early-bucket accounts before they become a recovery problem.
Every application, call, message and visit on one continuous profile.
WhatsApp and the field team are one conversation, not two. The relationship manager on day five has day one.
Intent and outcome flow into your CRM and LOS as structured data.
Compliance:
A live demo on your own funnel. Your channels, your languages, your core.
