What the agent handles
- Due-date reminders for EMIs, insurance premiums, fees and invoices, before the payment is due.
- Overdue follow-ups with the retry rules and calling windows you configure.
- Promise-to-pay capture and rescheduling, recorded as a structured outcome for every call.
- Customer questions about the amount, the due date and the next step, answered from your own data.
- WhatsApp follow-up after the call, so payment details are in the customer’s hands.
- Escalation to a person for disputes, hardship cases and anything you mark as sensitive.
How it works
- Bring your list. Upload a CSV or connect your system through APIs and webhooks.
- Set the rules. Write the script and tone, choose languages, calling windows and retries in Agent Studio.
- Rehearse. Run AI Simulation with realistic customer scenarios before a single real call goes out.
- Launch the campaign. The agent calls, talks, and records the outcome of each conversation.
- Learn and improve. Conversation Analytics shows what is working; outcomes flow back to your systems where integrated.
Systems it connects to
Hi & Hello is designed to integrate with your loan, billing, ERP or CRM systems through authorized APIs, webhooks and connectors. Payment processing stays with your own payment provider. Specific integrations and write-back are scoped and validated with you during implementation; not every system is a ready-made connector.
Control and governance
You decide the script, the calling window, how many retries happen and when a human takes over. Every call is logged with its transcript and outcome. Access is role-based, data is encrypted, and Intime IT Services is ISO 27001 certified and builds to the India DPDP Act. You remain responsible for the content of your scripts and for meeting the collections regulations that apply to your business.
Frequently asked questions
Can the agent call in Hindi and regional languages?
Hi & Hello agents are multilingual. Tell us the languages your customers speak and we will confirm support and voice quality during scoping.
Can it take a payment on the call?
It can share payment details or a link on WhatsApp where your payment system is connected. Payments are processed by your own provider, not by Hi & Hello.
Does it replace our collections team?
No. It handles reminders and first conversations at scale, and passes disputes, hardship cases and high-value accounts to your people with the full conversation context.
Can we test it before going live?
Yes. AI Simulation lets you rehearse the agent against realistic customer scenarios and refine the script before it calls real customers.