BFSI
Account and card servicing,
seamless on AgentOS.
AI agents resolve balance checks, card controls, and routine servicing instantly, verify what needs verifying, and route only genuine security and judgment calls to your team, with every action logged for audit.
TRUSTED BY 1000+ ENTERPRISES
Every request waits in the same line, simple or not.
Most servicing stacks treat a balance check and a fraud hold the same way. Every request funnels through the same queue, regardless of what it actually needs.
Every request waits in the same queue
A balance check queues behind a fraud dispute, and a PIN reset waits behind a limit increase. Nothing resolves faster just because it’s routine.
Manual card actions, one at a time
Block, replace, limit change, PIN reset: routine card actions still need a human to open a case, verify identity, and execute the change by hand.
Digital self-serve that still escalates
App and net-banking issues that should resolve on their own end up as a call or a ticket anyway, because the digital layer can’t actually act on the customer’s behalf.
Security flagged after the fact
Suspicious activity gets caught in a batch review instead of the moment it happens, and the audit trail gets assembled when a regulator asks, not while the hold is live.
AgentOS tells routine from risk.
Most servicing stacks don’t.
Most banking stacks can’t tell a balance check from a fraud hold: both wait, both take an agent’s time. AgentOS resolves the routine instantly and brings your team in only where judgment is needed.
Every request meets the right layer,
not the same queue.
Not every account or card request carries the same risk. AgentOS routes by what the request actually needs, instant resolution, verification, or a specialist, instead of funneling all three through the same line
LAYER KEY |
V Vitos – agents at work
C Command – human in the loop
C Calibrate – audit & compliance
P Pulse – learns & recommends
Self-Serve
Balance & Card Control Agent
Authenticates the customer and resolves the request in the same session. No ticket opened.
No human needed
Routine requests run start to finish without a human touch.
Full interaction logging
Every self-serve session is logged and scored, not sampled.
Deflection learns
Tracks which requests deflect cleanly, and where customers still drop into a queue.
Verified Requests
Account Maintenance Agent
Runs OTP or document verification and executes the change directly, reissue and dispatch tracking included.
Policy-band exception
Failed verification or off-policy requests route to a servicing specialist.
Verification trail
Match scores and evidence retained for every change made.
Turnaround learns
Flags where verification fails most, and tracks turnaround time by request type.
Escalated
Security & Fraud Agent
Detects the anomaly, places an instant hold, and assembles the case for review.
Specialist takeover
A fraud and security specialist makes the call. Supervisors can join a live call directly.
Hold audit trail
100% audit coverage on every hold and reinstatement decision.
Fraud-signal patterns
Flags where fraud and security signals cluster, feeding back into detection tuning.
Servicing becomes instant.
Most requests never reach a queue, let alone an agent. Your team’s time goes to verification calls and genuine security holds, and every one of those makes the next detection sharper.
Where AI and human intelligence work as one.
Every layer in that architecture runs on two things working in concert: AI agents and human intelligence.
One workforce. Built into the system.
Agents handle what can be handled. They execute, resolve, and complete work across every system, at any scale, without waiting. Humans own the moments that demand judgment: approving, intervening, deciding. The system knows the difference and routes accordingly.
They share the same context. The same workflows. The same operational layer. Nothing is siloed, nothing is duplicated, and nothing falls through.
The system doesn’t just resolve the request.
It gets sharper at telling routine from risk.
Vitos and Command resolve the request. Calibrate and Pulse learn from it. Every balance check, every reissue, every security hold sharpens how fast the next one gets routed to the right layer.
“Our teams finally spend time on what matters most. Kapture AgentOS handles the execution, so nothing slips through.”
VP-Customer Experience
If it’s a request your team handles today, we can build the agent for it.
No two banks or card programs run servicing the same way. We map your policy bands, verification rules, and escalation triggers, then build and configure the agents to match, not the other way around.
We didn’t start with AI.
We started with the work.
We’ve spent years inside real operations, across industries, seeing the exceptions, the edge cases, and the moments that actually need a human. AgentOS is built from all of that, not guessed at.
We’ve already seen the exceptions
Millions of real interactions, real failures, real edge cases. That experience is built into the system, not added on after.
Full-stack, AI-native
Designed together as one system, not bolted together from separate tools.
Your stack. Your rules
Full flexibility to run on your infrastructure, your models, your data, with zero lock-in.
Secure by design.
Built for BFSI compliance.
Account and card servicing touches some of the most sensitive data a customer has: card numbers, balances, and identity documents. We follow enterprise-grade compliance standards and best-in-class encryption to keep it protected, and audit-ready.
AES-256 encryption
Role-based access
RBI & DPDP compliant
Frequently Asked Questions
Balance and statement queries, transaction history, card block, unblock, and PIN reset run end to end. Verified requests like card reissue, limit changes, and profile updates run end to end too, with a human stepping in only on verification failures or policy exceptions. Security holds and reinstatement decisions always route to a specialist.
No. AgentOS handles the routine and verified volume so your team’s time goes to the calls that need judgment: policy exceptions, ambiguous verification, and security holds.
You set the rules. Each tier has defined trigger points, for example a limit change outside the approved band or a failed verification check, and the case routes to the right specialist automatically, with full context attached.
Yes. Every interaction, self-serve or escalated, is logged and scored against your SLAs and standards as it happens, so it’s ready for review without reconstructing it after the fact.
Yes. AgentOS connects to your core banking platform, card management system, telephony, and CRM. You bring your infrastructure; we don’t ask you to replace it.
You can bring your own model, use Kapture’s, or run a mix. The same goes for your voice stack and data. No enterprise-grade lock-in.
They don’t have to. We sit with your team to map your actual policy bands and escalation triggers, and build the agents around them, not the other way around.
AES-256 encryption, PCI-DSS and RBI/DPDP compliance, and role-based access are built in, not added on afterward.
Pulse tracks confirmed holds against false positives, so detection gets sharper over time instead of staying static.
Timelines depend on your existing systems and how many tiers you’re bringing in at once. A pilot on self-serve requests can go live faster than a full self-serve-to-escalation rollout.
More of the BFSI journey, on the same system.
Account and card servicing doesn’t run in isolation. Here’s what else AgentOS handles across the account lifecycle.
Loan Origination
Application to disbursal, run end to end, with AI agents handling the routine and credit officers stepping in only on judgment calls.
Lending
Collections
Reminders, negotiation, and recovery, run as one continuous flow from pre-due to pre-legal, with human effort only where risk demands it.
Lending
Claims Processing
FNOL capture, document verification, and settlement coordination, automated from first notice to payout.
Insurance
enterprise with Kapture.
No more ticket queue for account and card servicing.
Routine resolved instantly, verified requests handled directly, and full context the moment a person’s actually needed.
- Balance to security hold, run on one OS
- AI agents that act, specialists that judge, a loop that keeps getting sharper
- Deployed across 1,000+ enterprises in 60+ countries
TRUSTED BY THE TOP ENTERPRISE COMPANIES
+1833-386-0222 (USA)
enquiries@kapture.cx
