# Regulated conversations that close deals and collect payments.

PCI-compliant, fully auditable voice automation for loans, collections, onboarding, and fraud prevention.

## In production with
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## Why teams pick Guava for Financial Services & Banking

### Full call audit trail
Every field collected, every branch taken — Guava logs structured transcripts so compliance teams get the data they actually need.

### No IVR tree required
Replace brittle DTMF menus with natural-language agents that route themselves based on what the customer actually says.

### Real-time identity verification
Wire your own auth service into a Guava step; the agent pauses, verifies, and continues — all within a single call flow.

## Use Cases

- **Healthcare patient billing and self-pay collections**  
  ↑ Collection↓ Bad debt
- **Bank card and consumer-loan collections**  
  ↑ Right-party↓ Roll rate
- **Auto-loan and lease deficiency**  
  ↑ Recovery↓ Charge-off
- **Buy-now-pay-later recovery**  
  ↑ Cure↓ Delinquency
- **Government program receivables**  
  ↑ Resolution↓ Backlog
- **BPO-operated collection campaigns**  
  ↑ Connect↓ Abandon

## Ready-to-run examples

- [01  
  Loan Application Follow-Up  
  Proactively contact loan applicants to collect missing documents, update them on status, and keep them engaged through the underwriting process.](https://goguava.ai/use-cases/financial-services/loan-followup)
- [02  
  Fraud Alert Verification  
  Instantly reach cardholders when suspicious activity is detected, confirm whether transactions are legitimate, and lock or unlock accounts — all in real time.](https://goguava.ai/use-cases/financial-services/fraud-verification)
- [03  
  Account Delinquency Outreach  
  Contact past-due customers with empathy, offer payment arrangements, and capture commitments to pay — all while maintaining FDCPA compliance.](https://goguava.ai/use-cases/financial-services/account-delinquency)
- [04  
  Customer Onboarding  
  Welcome new account holders, walk them through regulatory disclosures, collect preferences for paperless statements and overdraft protection, confirm debit card delivery address, and optionally set up a security question — all in a single call.](https://goguava.ai/use-cases/financial-services/customer-onboarding)
- [05  
  Investment Satisfaction Surveys  
  Gather structured feedback from investment clients on advisor performance, portfolio satisfaction, and likelihood to recommend — with branching follow-ups.](https://goguava.ai/use-cases/financial-services/investment-survey)