Know what needs attention, while there's still time to act.

Darwix reads conversations, field visits, documents and system events, finds the signals that matter, and sends each one to the right person with evidence and a next step.

Alerts
Collections✕Open✕
Listening · 4 channels
Review queueBy SLA
Promise to pay · ₹25,000ALT-7731 · XXXX4471
Open
Undeclared existing obligationALT-5520 · APP-10384
Open
Repeat contact · KYC not updatedALT-5498 · SR-22871
Acknowledged
Mandatory disclosure missedALT-5461 · Call 8790
Resolved
ALT-7731 · Account XXXX4471LowOpen

Promise to pay · ₹25,000 due Friday

Structured commitment created from the call. Monitoring payment events until the deadline.

Evidence1 of 4 sources
1
“Friday ko ₹25,000 pay kar dunga.”Call 8842 · 03:11–03:26 · Mon
transcript
2
Approved payment link sentWhatsApp · LNK-2209 · Tue
record
3
No qualifying payment eventLMS · deadline Fri 23:59 IST
record
4
“Salary is delayed this month.”Field visit FV-311 · 02:40 · Sat
transcript
OwnerCollection owner · assigned
Next actionMonitor payment events
MergedFirst signal
MeaningDetects meaning, not just keywords
One issueOne alert, not five notifications
ProofEvery alert shows its evidence
TrackedFollowed until it is resolved

More alerts never made anyone faster.

An undeclared EMI. A skipped disclosure. A missed payment promise. These signals usually surface too late, or arrive as five separate alerts in five systems.

01After the call

Too late

Issues surface in post-call sampling, after the conversation ended.

Darwix alerts while the interaction is still recoverable.
02Four systems

Too noisy

The same problem fires from four systems, and teams stop trusting alerts.

Related signals merge into one case-level alert.
03Unowned

No follow-through

Nobody owns it, nobody proves it, nobody knows if it was resolved.

Every alert has an owner, evidence and a lifecycle.

From signal to resolution, in seconds.

Seven checks on every signal, in seconds, before anyone is interrupted.

1
ListenLive calls, field and video interactions, documents, and events from LOS, LMS, CRM, claims and payments.
2
UnderstandTurn words and events into BFSI signals: an obligation, a commitment, a missed disclosure, a complaint, a discrepancy, an intent.
3
EnrichPull the customer, account, product, stage, previous alerts and open commitments before deciding anything.
4
DecideCombine AI meaning with your business rules, thresholds and time windows. Check for duplicates.
5
PrioritiseScore severity from materiality, impact, urgency and confidence.
6
Prove & routeAttach the exact evidence and send it to the accountable owner.
7
Act & trackTrigger the authorised next step and follow the alert to resolution.

One sentence. One credit-ready alert.

See how a single remark in a PD becomes a verified alert with evidence and an owner.

Application · LOSAPP-10384
ProductHome loan · self-employed
Declared income₹90,000 / mo
Existing obligationsNone
Personal discussion · on site09:42 IST
BR
“Car ka EMI bhi hai, around ₹18,500. Three years aur bacha hai.”
Bank signalrecurring debit · ₹18,500 / mo
Darwix, in secondsWorkflow moved
UnderstandExisting vehicle-loan obligation · ₹18,500 / month · about 3 years left
CompareApplication says no obligations. Bank signal shows a recurring debit of the same size.
Undeclared existing obligation
Borrower states a vehicle-loan EMI of ₹18,5001, matching a recurring bank debit2. Application records none.
Severity · HighConfidence · High
1 · transcript 09:42 · PD-103842 · bank signal · recurring debit
Nudge · officer deviceCapture lender, outstanding amount and remaining tenure.
After officer confirmationConfirmed
09:44:02PD exception added
09:44:02Credit-review item created
09:44:03Original application value preserved
09:44:03Conversation evidence attached
09:44:04Structured obligation pushed to workflow

Customers rarely say it plainly. Darwix still understands.

The same words mean different things in different cases. Darwix checks the customer, product and history before it raises an alert.

First contact · no history“I'll pay on Friday.”
Promise to payStructured commitment created and monitored until Friday.
Two promises already broken“I'll pay on Friday.”
Repeat broken promiseLinked to prior commitments; severity raised and routed to the owner.
Partial amount · past escalation date“I'll pay on Friday.”
Partial commitmentChecked against minimum payment and authority; supervisor approval requested.
SignalTypical example
ComplianceMandatory disclosure missed · consent not captured · unsupported return promise
Discrepancy“Business is six years old” vs. application says 10
Commitment“₹20,000 kal, rest after salary”
Complaint“Third time I'm calling and nobody has fixed this”
Escalation“I want to speak to a manager”
Mis-selling“I thought this was a fixed deposit”
Risk & fraud indicatorsChanging story · repeated failed verification · account behaviour shift
Customer intentCancellation, renewal, top-up, higher-amount interest
VulnerabilityExplicit statements only: hardship, bereavement, needs language support
OperationalOverdue service request · stalled application · SLA breach

Catch it before the customer leaves.

Some alerts shouldn't reach a dashboard first. They should reach the person who can still change the outcome, as a nudge.

Missed disclosure

The interaction is heading to close and a required disclosure isn't done.

Agent or field officerPrompted to complete it before the interaction closes.
Evidence needed

“This 120 sq ft area is my gardening space.”

Field officerPrompted to capture photo evidence on site.
Product misunderstanding

“I thought this was a fixed deposit.”

AgentApproved clarification prompted; escalation if unresolved.
Manager needed

A high-value customer asks for escalation, or a settlement crosses authority.

SupervisorGets the customer, reason, exact statement and transcript context.

Escalate with context, not with a request to “please join.”

One story, not a flood of fragments.

Related signals become one case-level alert. Repeat alerts for the same issue are stopped.

Without correlation · 4 notifications
Customer missed the last promise to pay
LMS
Customer says income has dropped
Voice
No payment after the latest commitment
Payments
Customer asks for a lower instalment
Field
With Darwix · 1 alertRepayment Difficulty · Repeated Commitment FailureOne alert, not four notifications. Every fragment stays attached as evidence.
1Broken PTP2Income drop3No payment4Lower EMI ask
How noise is cut
Duplicate and already-acknowledged checks
Grouping by customer, account, case and time window
Suppression of low-materiality signals
Awareness of existing open alerts
Cross-channel · one account
MONPromise made on a call
TUEPayment link sent
WEDNo payment received
THUField visit: income delayed
One customer. Multiple channels. One alert state.

Promises that outlast the call.

BFSI conversations create commitments all day. Most end up as free-text notes nobody monitors. Darwix turns each into a structured commitment with an owner, date and condition, and watches for the outcome.

Audit trail · PTP-31882Collections · ₹25,000 due Fri
TimeStageActorWhat happens
Mon 14:32On the callcustomer“Friday ko ₹25,000 pay kar dunga.” Structured promise-to-pay created: ₹25,000, Friday.
Mon 14:33Immediatelydarwix.alertsApproved payment link sent. Commitment monitoring scheduled.
Fri 23:59Deadlinelms.paymentsNo qualifying payment event in the system.
Sat 00:00Alertdarwix.alertsPromise-to-Pay Not Fulfilled, with previous broken promises, current overdue status and the linked conversation.
Sat 09:10Actioncollections.ownerRouted to the collection owner. Follow-up triggered. Severity rises if it repeats.

Also tracks customer commitments (documents, KYC, medical tests, visits) and enterprise commitments (callbacks, quotes, escalations, resolutions), so your own promises are watched too.

Every alert comes with its proof.

Each alert shows the exact words, the source and the rule behind it.

Evidence can point to
Transcript lineAudio or video timestampDocument page & fieldLedger entrySystem eventVisual evidencePrevious alert or commitment
ALT-5520 · Lending & PDHigh
1What happenedUndeclared existing obligation
2Why it mattersRelevant to credit assessment
3EvidenceTranscript 09:42 · recurring bank debit
4ContextApplication, product, stage, previous alerts
5Severity & confidenceHigh · High
6OwnerCredit team, assigned
7Next actionCapture lender, outstanding, tenure
8SLA & statusWithin configured window · Open

Urgent alerts get urgent action.

Severity sets the owner, the deadline and the escalation path.

Dynamic severity
Low
Medium
High
Critical

Rises as new signals confirm the concern, an SLA breaches, a commitment fails or a complaint repeats. Falls when a clarification arrives, a promise is fulfilled or a reviewer marks it contextual.

Clear ownership
A personA team queueThe account ownerAn escalation hierarchyAn authorised Darwix agent

Routes by product, branch, geography, segment, category, severity or workflow stage. No alerts that belong to everybody and therefore to nobody.

SLA & escalation
Time open vs response window00:12

Critical compliance alerts nudge the frontline immediately and alert the manager before the interaction closes. Escalation weighs time open, acknowledgement, failed actions, repeats, customer impact and account value.

Detection starts the work. It doesn't end it.

Every alert arrives with the next step ready to run.

Alert lifecycleEvery transition is timestamped on the alert
DetectedOpenAcknowledgedIn progressWaiting for customer / evidenceEscalatedResolvedClosedReopened
Actions Darwix can trigger · per your permissions
Create CRM, LOS or LMS tasks
Raise a service request
Create underwriting or compliance review
Request a document or evidence
Initiate a callback
Send an approved WhatsApp, SMS or email
Assign a field visit
Pause a straight-through workflow
Trigger another Darwix agent
Write the outcome back to the source
Closed loop

Each resolution is tagged. Outcomes feed back into thresholds, routing, suppression and severity logic, under your governance.

Confirmed issueFalse positiveExplained by contextDuplicateCustomer clarified

The signals your business depends on.

Pre-built signals for lending, insurance, collections and service.

Alert types · Lending & PD
Income mismatch
Undeclared obligation
Business-vintage or property-use mismatch
Evidence required
PD field incomplete
Customer says“Business is six years old.” Form says ten.
Business Vintage Mismatch. The clarified value is captured and the original preserved.
Opportunity alerts

Approved, intent-based triggers such as top-up interest, renewal intent or additional-cover requests, grounded in what the customer actually said and your eligibility rules, never speculative profiling.

Your rules, with intelligence around them.

Deterministic rules stay in charge. AI adds the context they miss.

Deterministic rules handleAI handles
Numeric thresholds and DPD bandsCustomer intent and complaint understanding
SLA breaches and deadlinesSemantic contradictions and mis-selling language
Mandatory disclosures and required fieldsCommitment extraction
Missing documents and account statusCross-language meaning in Hindi, English and Hinglish
Explicit policy and authority rulesDocument interpretation and multi-signal context
AI hearsA customer offers a partial payment next week.
Rules checkDPD, minimum acceptable payment, existing commitments, collection stage and authority matrix.
OutputA partial-payment commitment, routed to the configured collection action.

You decide what deserves an alert.

Your thresholds and rules stay in your control. Darwix adds conversational intelligence around them.

Configurable
Signal taxonomy
Trigger logic & time windows
Materiality & severity
Confidence thresholds
Owners & routing
Escalation & SLAs
Suppression & deduplication
Correlation rules
Evidence requirements
Action permissions
Resolution states & reopen conditions
All of it by product, segment, geography, channel, stage and role.

Darwix raises the signal. Your people decide.

An alert points to the next step. It is never a finding of fraud, non-compliance or a credit outcome.

Darwix does
Detects signals and extracts context
Correlates evidence
Applies your rules
Generates, scores and routes alerts
Nudges and creates tasks
Triggers approved operational actions
Monitors commitments and escalates
Records resolution
Authorised people and systems control
Fraud classification
Credit sanction or decline
Underwriting decisions
Claim approval or repudiation
Legal determinations
Investment advice
Policy exceptions, remediation, disciplinary action
Final compliance conclusions

Fraud and risk

Darwix surfaces early-warning indicators and prepares the case. An alert isn't a finding of fraud.

Vulnerability

Alerts rely on explicit customer statements or approved institutional context, never speculative inference about personal traits.

Action control

You define which alerts may trigger automatic action and which need human approval.

Alerts, inside the tools your teams already use.

Alerts reach CRM, LOS, case tools and messaging without a new screen.

CRMLOSLMSCollections platformPolicy adminUnderwritingClaimsService-request & case managementDMSContact-centre platformPaymentsData warehouseWorkflow enginesRisk, fraud & complianceCollaboration tools
reads

Customer, account, product, stage, payments, documents, previous alerts, commitments and interactions, owners and SLAs.

returns

Alert, severity, evidence, owner, task, status, resolution, structured signal, follow-up and write-back.

events

Alert created, routed, acknowledged, escalated, commitment breached, alert resolved or reopened, all available downstream.

Need-based, least-privilege access

Only the data an alert needs, only the systems and fields required.

Role-based visibility

Alerts, evidence and customer data by role.

Sensitive-data protection

Configurable masking and redaction.

Full audit trail

Signal source, triggering evidence, rule and classifier version, context, owner, actions, escalations, resolution and reopen history.

Rule and model governance

Changes to triggers and thresholds tracked.

Deployment and residency

On-prem, VPC or cloud, with enterprise retention and data-location controls.

SOC 2 Type IIISO 27001Read the compliance page →

See where the process keeps breaking.

Understand why issues recur, and fix the process behind them.

01Alerts by category, severity, product, channel and team
02Time to acknowledge and resolve
03SLA breach and escalation rates
04False-positive and repeat-alert rates
05Alerts resolved during the interaction
06Broken-commitment rate
07Most common compliance gaps and discrepancy types
08Alert-to-action conversion
09Outcome distribution

Fewer alerts. More that matter.

Less noise for teams, and faster action on what counts.

01

Catch issues during the interaction

Not in next week's sampling.

02

Beat alert fatigue

Consolidated, deduplicated, prioritised.

03

Finish the frontline job

Missing disclosures, evidence and fields fixed while recoverable.

04

Follow through on collections

Every promise monitored, every broken one caught.

05

Give credit better files

Discrepancies reach credit and underwriting with evidence.

06

Improve customer experience

Repeat complaints and unresolved journeys surface sooner.

07

Cut manual monitoring

No more searching for material events across systems.

08

Create accountability

Every alert has an owner, SLA, history and resolution.

Not more noise. Better judgment on what matters.

Built for regulated journeys, from first signal to resolution.

Conversation-nativeUnderstands what people say.
BFSI-awareObligations, commitments, disclosures, mis-selling.
Cross-channelVoice, field, video, documents, systems.
Context-awareReads every signal against the case.
Noise-awareOne issue, one alert.
Evidence-linkedEvery alert shows its proof.
Action-orientedTriggers the authorised next step.
Lifecycle-aware, human-controlledTracked to resolution; decisions stay with people.
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