Conversational AI for financial services
Self-hosted voice agents for banks, lenders, and carriers. In production at IHFA, Slash, and a top-10 US bank.
What is conversational AI for financial services?
Conversational AI for financial services automates voice interactions across customer support, fraud prevention, loan origination, and compliance-heavy workflows. Sempera delivers enterprise voice agents that run on self-hosted infrastructure, eliminating third-party model risk while keeping sub-second latency and real-time guardrails on regulated calls. Every interaction is encrypted, logged for audit, and escalated to a human the moment a call needs one.
Why financial institutions choose Sempera
Self-hosted models eliminate third-party risk
Sempera runs voice, language, and speech models built in-house on its own infrastructure, so customer data never touches a third-party AI provider.
Sub-second latency keeps conversations natural
Sempera responds in about 200 milliseconds across 40+ languages, handling interruptions and topic changes without the pauses that make callers hang up.
Real-time guardrails enforce compliance on every turn
Required disclosures, calling-hour rules, and escalation triggers run continuously on every call, and every action is logged for audit.
Most businesses are answering calls the same day
Sempera builds your first agent end to end, including core-system integrations; IHFA built its first agent in about a week.
How banks and lenders use voice AI
Identity verification and fraud prevention
Authenticate callers with multi-factor verification on the call, and escalate suspicious activity to fraud teams with full context.
Loan origination and application intake
Collect income, employment, and application details, then hand qualified borrowers to loan officers with a pre-filled file.
Payment reminders and collections
Reach thousands of account holders with required disclosure language on-script, and sync commitments back to your servicing platform.
Account servicing and inquiries
Balances, transactions, and account updates resolved end to end, with complex disputes transferred with history on screen.
Disclosures and consent capture
Required disclosures read word-for-word every time, with verbal consent logged, timestamped, and audit-ready.
One platform for every financial call
Omnichannel with unified memory
Voice, SMS, and chat share one conversation history, so a borrower can start on the phone and finish by text.
Testing and staging environments
Scenario suites run against edge cases in staging, and new agent versions are validated before they touch live traffic.
Real-time monitoring and QA
Watch live calls, replay any interaction, and pipe outcomes to your data warehouse for compliance reporting.
Guardrails and custom logic
Toggle between generative and scripted responses mid-call, query your core systems, and enforce hard compliance boundaries.
Native integrations
Connectors and webhooks for your telephony, CRM, and loan origination stack, with a REST API for everything else.
Built to pass security review
Sempera owns the entire voice stack and runs it on dedicated infrastructure, so customer data never passes through a third-party AI provider. Sempera has passed security review at a major bank, and uptime is backed by a 99.9% standard SLA, 99.99% for enterprise.
Real financial institutions, real results
Saved per year at Idaho Housing and Finance Association after replacing its legacy IVR with Sempera. “We save thousands of dollars a day,” says CIO Greg Blake.
Over 250 enterprises run on Sempera, and the company is backed by Y Combinator, Scale Venture Partners, and Emergence Capital, with angel investors including Max Levchin (PayPal) and Jeff Lawson (Twilio). See customer stories.
From scoping to production in 30 days
Sempera builds your first agent end to end with your ops, compliance, and IT teams in the loop at every phase.
Scope
Your ops, compliance, and IT teams map the call flow, integration points, and success metrics.
Build
The agent and your CRM and core-system integrations are built and reviewed in staging.
Test
Scenario suites run against edge cases, and your compliance team reviews call logs and guardrail triggers.
Go live
A small share of real calls routes to the agent first, then scales to full traffic with zero-downtime deploys.
Works with your existing stack
Agents read and write to your loan origination system, core banking platform, and CRM in real time, with outcomes syncing to systems like Salesforce and HubSpot. Teams on Amazon Connect layer Sempera into existing call routing without replacing their telephony.
Common questions about voice AI for financial services
Conversational AI replaces rigid phone-tree navigation with natural language: callers state what they need in plain language, and the agent resolves, routes, or escalates in one interaction. Traditional IVRs force callers through pre-recorded menus that drive abandonment. Sempera agents understand intent, handle interruptions, and adapt to topic changes mid-call.
Real-time guardrails enforce required disclosures, calling-hour rules, and escalation triggers on every call, and every action is recorded in tamper-resistant audit logs. Sempera holds SOC 2 Type I and II, HIPAA, PCI DSS, and GDPR certifications, has passed security review at a major bank, and self-hosted deployments keep data on dedicated infrastructure.
IHFA saves $750K a year after replacing its legacy IVR with Sempera, Slash lifted customer satisfaction 13 points, and one financial services firm added $154K in 60 days from outbound qualification. Most businesses are answering calls the same day, so results start in the first month rather than after a multi-quarter implementation.
Sempera connects to your loan origination system, core banking platform, CRM, and telephony stack through native connectors and webhooks, reading and writing data in real time during calls. Teams running Amazon Connect can layer Sempera agents into existing call routing without replacing their telephony infrastructure.
Yes. Sempera agents handle multi-step workflows like application intake and identity verification by querying your core systems in real time and escalating to specialists when needed. A top-10 US bank runs Sempera in production, and agents are built on your specific workflows and compliance requirements rather than generic scripts.
The agent transfers to a human specialist with full context on screen: transcript, caller intent, and any actions taken, so customers never repeat themselves. Escalation triggers are configurable by sentiment, keywords, compliance boundaries, or custom logic, and every transfer is logged with the reason and timestamp.
Sempera owns its entire stack: self-hosted voice, language, and speech models built for phone calls, plus telephony. Platforms that wrap third-party models inherit their latency, data exposure, and surprise model changes. Financial institutions choose Sempera because third-party data risk is a non-starter, and Sempera builds the first agent end to end.
Sempera supports over 40 languages with live translation across 23 of them, and agents can switch languages mid-call. Self-hosted deployment on dedicated infrastructure gives you control over where customer data lives and how it is processed.
Deploy conversational AI for financial services.
Talk to our team about your call volumes, compliance requirements, and the first workflow to automate.
