What MEGA.AI does for banks
MEGA.AI provides deterministic voice AI for retail banks and card issuers. It handles failed payments and returned direct debits, declined and expired cards, overdraft and limit breaches, transaction confirmation, KYC reminders, persistent debt contact, forbearance, and card, loan and mortgage arrears. The agent speaks only approved wording and uses live account data only in approved slots, so every call can be explained to model risk, compliance and the regulator.
Engage. Protect. Pay. Recover.
The highest-volume, highest-risk customer calls in banking, handled with the precision your risk and compliance teams expect.
When payments don’t go through.
Failed payments & returned direct debits
Declined & expired cards
Overdraft & limit breaches
Support that meets regulatory expectations.
Persistent debt contact
Forbearance & payment holidays
KYC & periodic review reminders
Vulnerability & bereavement
Card, loan and mortgage arrears.
Affordability-led plans
What should a bank require from a voice AI platform?
Approved wording only
The agent speaks only wording your risk and compliance teams signed off. It cannot invent a figure, a promise or a policy.
Amounts from live data
Balances, amounts and dates come only from live data, inserted into approved slots. Reads and writes to core systems stay within rules.
Verification before disclosure
ID&V and right-party contact come first. No account detail is disclosed before the customer is verified.
Explainable to model risk
Deterministic, explainable logic that model risk and compliance can review step by step.
Vulnerability and bereavement
In-call vulnerability signals, approved responses and handover to a specialist with full context.
Evidence for Consumer Duty
Every call is recorded and each response traces back to approved logic, giving evidence of good customer outcomes.
Built to satisfy risk, compliance and the board.
Banks cannot deploy AI that might invent a figure, a promise or a policy.
MEGA.AI only speaks approved wording and only uses live data in approved slots. That makes it safe to connect to core banking, card and payment systems, and simple to explain to model risk, compliance and your regulator.
What it delivers to the executive team.
Scale customer contact across products without expanding conduct exposure.
Recover failed payments faster and reduce the cost of arrears management.
Deterministic, explainable behaviour that satisfies model risk and compliance review.
Volume peaks from payment failures absorbed without additional staff.
Consistent, supportive outcomes aligned with Consumer Duty.
Safe, governed access to core banking, card and payment systems.
Banking questions, answered.
Can a voice AI agent invent a figure or a promise to a bank customer?
Not with MEGA.AI. The agent speaks only approved wording and takes amounts only from live data in approved slots, so it cannot invent a figure, a promise or a policy.
Which banking calls can MEGA.AI handle?
Failed payments and returned direct debits, declined and expired cards, overdraft and limit breaches, transaction confirmation, KYC and periodic review reminders, persistent debt contact, forbearance and payment holidays, and card, loan and mortgage arrears.
Can it confirm flagged card transactions?
Yes. It confirms or declines flagged card transactions with customers after identity verification.
How does it handle vulnerable customers and bereavement?
Through in-call vulnerability signals and handover to a specialist with full context, using only approved responses.
Can a customer pay during the call?
Yes. The customer enters card details on the phone keypad, masked so the digits never reach the AI, recordings or transcripts, or receives a secure payment link by SMS. The agent can also record a promise to pay. Our PCI DSS assessment is in progress.
How does MEGA.AI pass model risk and compliance review?
Its logic is deterministic and explainable. Every step follows approved rules, every call is recorded, and each response traces back to the approved logic behind it, so model risk, compliance and the regulator can see what was said and why.
Which systems does it integrate with?
Core banking, card management, CRM, payment providers and CCaaS platforms. A typical first journey is failed payments or ID&V, with deeper integration as you scale.
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Then scale across the bank.
Failed payments and ID&V are the fastest places to start. Integration with core banking, card management, CRM, payment providers and your CCaaS platform follows as you scale.