Financial services · Banking · Insurance · Crypto
AI agents for financial services
Voice and chat agents for UAE banks, digital banks, insurers, lenders, exchange houses and crypto exchanges. They verify customers, handle card services, claims, collections and KYC refresh in Arabic and English, and keep data in the UAE.
Built for teams operating under Central Bank of the UAE, VARA, DFSA and FSRA rules. Your compliance team approves every script and escalation rule.
Better customer outcomes, lower cost to serve
Agents that cover the whole customer journey, from first enquiry to collections, without weakening your controls.
Improve customer satisfaction
Calm, context-aware conversations for stressful moments like a blocked card abroad or a missed payment, on phone, chat and WhatsApp.
Reduce cost per resolution
Balance checks, card actions, status updates and reminders handled end to end, so your advisers focus on complex and high-value cases.
Built for financial compliance
Identifies itself as AI, verifies before disclosing, follows approved scripts and logs every interaction. Outbound follows consent, call-window and do-not-call rules.
The Central Bank of the UAE telemarketing regulation limits telemarketing calls to 9 AM–6 PM, requires express consent including for AI agents, a do-not-call check and five-year call logs (Pinsent Masons, Out-Law).
Emotionally and contextually aware agents
Money conversations are high stakes. The agent adapts its tone, pace and language to the customer in front of it.
Natural, human-like conversations
Gulf Arabic and English with control over tone and pace.
Clean, context-rich handoffs
Advisers receive the verified customer, intent and summary.
Fast responses
Real-time voice without awkward pauses.
Your brand voice
Choose a voice or create one that matches your bank.
Multilingual
Arabic, English, Hindi, Urdu, Tagalog and more.
Conversational agents for every financial setting
Configured for your institution, your customers and your regulator.
Debit card dispute
- There’s a AED 899 charge I don’t recognise.
- I can help. I’ve verified your account. Is it the online purchase on 12 October?
- Yes, I didn’t make it.
- I’ve blocked the card, ordered a replacement and opened a dispute. Reference DSP-20418 is on its way by SMS.
Motor insurance claim
- I had a minor accident on Sheikh Zayed Road. What do I do?
- I’m sorry to hear that. Is everyone safe? Do you have the police report number?
- Yes, everyone is fine. I have the report.
- I’ve opened claim CLM-7731 and sent a link to upload the report and photos. A surveyor will contact you within one working day.
Retail banking and digital banks
Balances, card blocks and replacements, travel notes, statement requests and branch questions.
Islamic banking and finance
Explains Murabaha, Ijara and profit-rate products in the terms your Sharia team approved.
Insurance carriers and brokers
Motor and health claims intake, policy renewals, document collection and claim status.
Wealth and brokerage
Account opening steps, onboarding status and appointment booking with advisers.
Lending, mortgages and BNPL
Eligibility pre-checks, document chasing, application status and payment schedules.
Exchange houses and remittance
Transfer status, rates enquiries, WPS salary questions and branch locations.
Crypto exchanges and VASPs
Deposit and withdrawal status, KYC tiers, 2FA resets with verification, scam awareness.
Collections and recoveries
Reminders, promise-to-pay capture and payment links within consent and call-time rules.
Lead qualification and onboarding
Card and loan leads qualified, KYC refresh campaigns and activation calls.
A fully configurable operating system for your agents
Load product sheets, SOPs, disclosures and scripts approved by compliance. Build workflows such as verification, card actions or claims intake without code.
Adapt to your requirements
- Knowledge: Card services SOP v4.2
- Disclosure: AI agent, call recorded
- Workflow: Verify → Check status → Act → Confirm
Illustrative dashboard values.
Talk to us about a compliant pilot
Start with one queue, one language and full audit logs.
Every contact, outcome and saving, in one view
Listen to any call, read the transcript, see the AI summary, and track sentiment, CSAT and conversion in one dashboard.
Resolved without transfer
0%
CSAT
0.0 / 5
Call sentiment
Contacts resolved by AI, by hour
Live activity
- Card hold released after OTPResolved
- Promise-to-pay captured · 25thPTP
- Dispute DSP-20418 openedCase
- KYC refresh link sentSent
Illustrative dashboard with sample data. Click the menu to explore.
Serve the UAE’s customers in their own language
The agent detects the caller’s language and answers in it, and switches mid-conversation if they do. Every transcript also arrives in English for your team.
مرحبا
Arabic
Gulf, Levantine, Egyptian
Hello
English
UK, US, Indian accents
Здравствуйте
Russian
For CIS buyers and visitors
नमस्ते
Hindi
Indian residents and investors
您好
Chinese
Mandarin-speaking clients
السلام علیکم
Urdu
Pakistani community
Bonjour
French
European and African clients
Kamusta
Tagalog
Filipino community
Enterprise-grade security and infrastructure at scale
Calls, transcripts and recordings are processed and stored in UAE data centres, encrypted in transit and at rest. Your systems stay the source of truth: the agent reads and writes only the fields it needs, through scoped access you can revoke at any time. Retention is set by you, down to not storing conversation data at all.
Full control over every agent
Your SOPs, followed
Agents follow the procedures and disclosures your compliance team approved, step by step.
Improve every week
Correct answers in plain language and A/B test scripts on a share of traffic.
Guardrails you can trust
Hard limits on what the agent can say and do, with automatic escalation.
Test before you go live
Simulate hundreds of conversations and validate every system action first.
Knowledge base
Product terms, fees and FAQs answered only from approved documents.
Version control
History, attribution, staged rollouts and instant rollback.
What could automation save your contact centre?
Answer two questions. We do the maths.
How many calls and chats a month?
What does one human-handled contact cost?
Change our assumptions (optional)
Contacts the agent fully resolves
Typical for balance, card, status and payment-reminder contacts.
Cost per AI-handled contact
You could save this much each month
AED 1,026,000
About 54,000 contacts a month resolved without a queue, freeing advisers for complex cases.
- Contacts resolved by AI per month54,000
- Saving per yearAED 12,312,000
How we calculate this
- Saving = contacts × automated share × (human cost − AI cost).
- Your actual AI cost depends on volume and channel mix; we confirm it in a proposal.
A UAE retail bank contact centre with 120,000 contacts a month
Saved each month
AED 1M
1 · The situation today
- IVR menus, then queues at month-end and salary days
- Card blocks and balance questions take adviser time
- Collections calls limited by headcount and the 9 AM–6 PM window
- KYC refresh reminders sent by SMS and ignored
2 · What Northline AI changes
- Verified by OTP, then resolved in one conversation
- Routine card and account requests handled end to end
- Promise-to-pay captured within the permitted call window
- KYC refresh by call or WhatsApp with a secure upload link
3 · The maths, step by step
- Contacts a month120,000
- Fully resolved by AI (45%)54,000
- Saving per contact (AED 22 − AED 3)AED 19
- Saved each month (54,000 × 19)AED 1,026,000
Resolving 45% of routine contacts without an adviser saves about AED 1 million a month, while every call stays verified, disclosed as AI, logged for audit and inside the Central Bank’s telemarketing rules.
The inputs are based on published research:
Illustrative example using typical figures. Not a specific client result.
Frequently asked questions
Give every customer an answer, safely
Launch your AI receptionist in minutes in our self-serve cloud console, or forward your after-hours calls and judge the results for 14 days.