Industry Context
Booming Growth
Credit card growth is booming, but issuers face rising acquisition costs and intense competition
Process Challenges
Manual, fragmented processes lead to missed leads, onboarding drop-offs, and poor collections
Regulatory Pressure
Regulatory and customer experience pressure is at an all-time high
Complete Lifecycle Solution
ORI's AI transforms every stage of the credit card journey with measurable impact
Acquisition & Lead Qualification
Proactive, personalized outreach; eligibility checks; tailored card recommendations; dormant lead reactivation
Onboarding
Guided application, document upload, real-time status, welcome and activation calls
Account Management & Collections
24/7 support, payment reminders, dispute handling, collections with PTP capture, personalized payment plans
Renewals, Upsell & Loyalty
Renewal reminders, credit limit upgrades, cross-sell of loans/insurance, loyalty program enrollment
Why Credit Card Leaders Choose ORI
Purpose-built for BFSI with proven results across the credit card lifecycle
Omnichannel AI
Voice, chat, WhatsApp, SMS - all BFSI-tuned
100% Compliance
RBI/SEBI aligned with full audit trails
95%+ Accuracy
Disposition tagging and intent recognition
Human+AI Loop
Seamless agent handoffs with full context
ORI vs. Competition
See how ORI's BFSI specialization delivers superior results
| Feature | ORI | Leading Platforms | Generic Bots |
|---|---|---|---|
| BFSI Specialization | ✓ Native BFSI training | Generic chatbots | Basic scripting |
| Compliance | ✓ 100% RBI/SEBI aligned | Limited compliance | Manual oversight |
| Explainability | ✓ Full audit trails | Black box AI | No transparency |
| Human+AI Loop | ✓ Seamless handoffs | Basic escalation | Manual processes |
| Disposition Accuracy | ✓ 95%+ tagging | 80-85% accuracy | Manual logging |
Measurable Impact
Proven results across credit card operations
24/7 Support Operations
Comprehensive cardholder support including dispute management, lost card handling, and real-time notifications