Shrink ageing, lift right-party contact and stay audit-ready with AI Invisible Employees™.
Agentic AI Agents that live inside your contact centres, arrears desks and back-office workflows — quietly handling onboarding checks, everyday servicing, claims queries and collections so your people can focus on judgement calls, risk and high-value conversations (English + Arabic-ready where needed).
Up to 65% of routine contacts & admin touches across balances, claims and arrears can be automated safely with clear guardrails and human handoff.
High-volume banking, insurance & collections ops in Dubai leak value. Invisible Employees™ don’t.
Contact centres, collections desks, intermediary channels and legacy back-office stacks quietly burn time and margin. Financial Services Invisible Employees™ turn that noise into orchestration — handling predictable, repetitive work instantly so humans can focus on risk, relationships and edge cases across the UAE’s fast-moving financial sector.
Who benefits first
Start where volumes are high, scripts are defined and auditability is non-negotiable.
Retail & business banking
Branches, contact centres and digital teams looking for fewer queues and cleaner books.
- High-volume queries: Balances, debit orders, limits and statements handled automatically instead of over the phone.
- Time-sensitive actions: Card stops, limit changes and payment breaks captured correctly on the first try.
- Heavy documentation: KYC refreshes and business KYB packs chased, checked and stored without manual follow-ups.
Digital lenders & BNPL
Credit providers wanting faster decisions and tighter risk control.
- High-volume queries: Balance, next debit date and settlement requests resolved in WhatsApp or web chat.
- Time-sensitive actions: Promises-to-pay and reschedules captured in policy-compliant ways and fed into your ageing views.
- Heavy documentation: Source-of-funds, statements and supporting proofs collected and validated before they hit underwriting.
General & life insurance
Insurers who need better FNOL, fewer follow-ups and traceable advice.
- High-volume queries: Benefit lookups, policy changes and premium queries handled without adding call centre seats.
- Time-sensitive actions: Claim status, excess changes and cancellations confirmed in writing, not on sticky notes.
- Heavy documentation: Claim evidence and required forms requested, checked and pushed into your claims stack.
Collections & recoveries teams
In-house and outsourced teams who live in roll-rates, RPCs and promises kept.
- High-volume queries: Balance, settlement and arrangement queries answered instantly over multiple channels.
- Time-sensitive actions: Arrears outreach started earlier with consistent scripts and clear next steps.
- Heavy documentation: Mandates, restructures and evidence tracked and stored with clear audit trails.
Brokers & intermediaries
Broker desks and key account teams needing faster answers for their clients.
- High-volume queries: Quote tweaks, benefit questions and renewal options surfaced before a human ever picks up the phone.
- Time-sensitive actions: Lapses, mid-term changes and endorsements captured correctly and confirmed back to the broker.
- Heavy documentation: Application packs and compliance docs chased so brokers spend more time selling.
Fintech servicing pods
Digital-first teams scaling fast without wanting a giant contact centre.
- High-volume queries: In-app and web chat questions resolved by AI while keeping humans for escalations.
- Time-sensitive actions: Disputes and fraud alerts surfaced quickly with clean context for human review.
- Heavy documentation: KYC / KYB and supporting documents collected and pushed into your core or compliance tools.
What your Financial Services Invisible Employees do
From “We’ll call you back in office hours.” to “Already updated and recorded.”
Financial Services Invisible Employees™ combine language, process logic and access to your tools. They read, reason and act across your systems — like a well-trained agent who never gets tired, distracted or bored of saying the same thing 300 times a day.
- Guide customers through KYC, consent and affordability in plain language.
- Collect Emirates ID, supporting documents and proofs via secure links.
- Validate completeness, push to your systems and flag exceptions for review.
Faster onboarding, fewer drop-offs and cleaner files for credit, compliance and audit teams.
- Handle balances, statements, limits, debit order dates and contact detail updates.
- Check core systems for real-time context (banking, policy admin or CRM).
- Confirm actions, send proofs and update notes without a human touch.
Less queueing and hold music, more first-time resolution — without growing headcount.
- Capture first notice of loss, claim details and supporting evidence over chat or voice.
- Collect and validate documentation against product rules and authority limits.
- Provide clear status updates and escalate edge cases to humans with full context.
Shorter claim cycles, fewer follow-up calls and clearer expectations for clients and brokers.
- Proactively reach out via WhatsApp, SMS or voice with tailored, compliant scripts.
- Negotiate and capture promises-to-pay within your policy and authority framework.
- Set arrangements, confirm in writing and feed outcomes back into your ageing views.
Higher right-party contact, more kept promises and fewer accounts rolling into harder buckets.
Governance, UAE privacy & regulated journeys
Invisible Employees™ you can trust in front of auditors and regulators.
Financial services touch identity, consent, risk and vulnerable customers — exactly where you don’t want a black-box AI. Agentic AI Agents are engineered to be governable: every conversation, decision and action is tied back to policy, permission and audit trails — aligned to UAE expectations.
Built for regulated environments in Dubai
We assume privacy, conduct and auditability from day one.
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Policy-aware flows
Scripts and decisions bound to your products, risk appetite and authority limits. -
Per-task risk scoring
Automatic human-in-the-loop on vulnerable customers, disputes and borderline decisions. -
Full transcripts & evidence
Everything needed for complaints, QA and audits — with clean, time-stamped records.
Uses most teams don’t expect
Scroll here to see a few surprising ways Dubai financial teams use Invisible Employees™.
Where this fits in your stack
We sit across your core, channels and collections — not inside another silo.
Financial Services Invisible Employees™ use your existing core, policy admin, CRM and collections systems as their “hands”. They orchestrate work between them — without forcing you to rip-and-replace the platforms your business already runs on.
FAQ
Questions Dubai banks, insurers & collections teams usually ask first.
A few of the common questions from executives, risk, compliance and collections leaders when they first explore Invisible Employees™ for UAE financial services, insurance and arrears.
No. We treat regulation and auditability as design constraints, not afterthoughts. Flows are built around your policies, product rules, disclosures and consent wording. Higher-risk actions and vulnerable-customer scenarios are routed to humans automatically, with a clear record of why.
No. Invisible Employees™ are designed to sit on top of your existing core, policy admin, CRM and collections tools. We integrate via APIs, email, webhooks or RPA where required, and we log every action with a traceable, time-stamped audit trail.
Financial flows are configured with explicit data handling rules. We can pin data to the correct region, redact sensitive fields where required and capture consent with timestamped receipts. Access to sensitive information is permissioned and fully auditable for internal and external reviews.
We typically start with one narrow slice — for example early-stage arrears, statement requests or claim status queries — and a defined set of plays. Once you’re comfortable with behaviour, controls and impact, we expand to more products, portfolios and channels.
Next step
Bring us three live journeys. We’ll show you an Invisible Employee™ for each.
Choose three journeys — for example: arrears outreach, policy cancellations and claim status queries. Our team will map them into Financial Services Invisible Employees™, connect your tools and ship a working proof-of-value in days.
Prefer a formal proposal? We’ll estimate ROI, automation coverage and payback periods based on your current book, channels and operating model.
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