An unnamed financial-services book, with no added cost to collect.
Industries · BFSI · Credit cards
The revolving relationship, worked every cycle.
A card is sold once and lived with every month: activation, spend, statement, dispute, minimum-due, upgrade. Oriserve runs the whole cycle in the customer's language, keeps card data inside the standard, and puts a person on the calls that decide.
Card book · liveSimulation
conversations0handled by AI0to a person0
handled by AIto a person
"A card issuer wins on activation and loses on roll-rate. Both are decided on a call the customer barely remembers getting."The cards doctrine · the cycle, not the sale
Why cards need a cycle motion
The card that never activated and the balance that rolled to the next bucket are the same missed conversation.
Card economics turn on activation, spend and clean revolve, and each depends on a timely call: the welcome that drives first spend, the reminder that secures minimum-due, the offer that saves an attriting cardholder. Human floors cannot make all of them.
The AI makes every one, every cycle, at a fraction of the cost, sets up EMI conversions and payment links inside the call, and routes disputes and settlements to a person, with card data kept inside PCI the whole way.
The customer lifecycle
Six stages, each mapped to a motion we run.
From the card sale to the upgrade, the same brain runs the revolving relationship, and each stage maps to a solution you can go deeper on.
Acquire
The card sale, qualified
Pre-approved and inbound card leads qualified on eligibility, KYC set up, the ready ones routed to a person while warm.
Moves: approved-to-issued rateLead qualification →Activate
First spend, not a dormant card
Activation, auto-debit setup and first-spend nudges, so a new card is used in week one instead of sitting in a drawer.
Moves: activation, first-spendOnboarding & support →Serve
Statements, disputes, rewards, EMI
Statement, reward and limit queries resolved end to end; disputes flagged and routed; EMI-conversion offered on eligible spends.
Moves: first-contact resolutionCustomer support →Collect
Minimum-due to roll-rate held
Cycle-timed reminders, minimum-due secured first, a plan for the balance, and settlements routed to a person with authority.
Moves: roll rate, recoveryCollections →Retain
The attriting cardholder, saved
Cancellation and inactivity signals worked with a retention offer within your rules, before the spend moves to another card.
Moves: attrition, active rateRetention →Grow
The upgrade and the spend, stimulated
Limit-upgrade, premium-migration and spend-stimulation offers surfaced at the right moment, only when they fit.
Moves: spend per cardUpgrades & renewals →Across the portfolio
Every card, one platform.
Retail, premium, co-brand and commercial cards run on the same platform with one memory of the cardholder, so the cycle is whole.
Retail cardsPremium & travelCo-brandCommercial & corporateEMI & instalmentRewards & loyalty
Proof
What we run for card issuers, counted.
Card issuers are among the most PCI-sensitive and highest-volume books in BFSI. The figures below are platform benchmarks and name no client.
Collections uplift+15%
Cost per outcome~30% lower
India benchmark across collections and servicing.
Card dataInside PCI
Tokenised capture; card numbers never linger in a transcript.
Audit coverage100%
Every call scored, AI and human.
Compliance by construction
Every rule that governs a card call, enforced pre-dial.
Card issuance and billing conduct plus PCI handling are built into the platform, and RBI's FREE-AI posture is how it already runs.
RBICard issuance & conduct
Card-issuance and servicing conduct standards enforced in script and routing, with the full trail retrievable.
MITCBilling & disclosure
Most-important-terms disclosure and billing conduct scripted and enforced, not left to the agent.
RBIRecovery conduct
Fair-practices recovery conduct for card dues built into every call flow the platform places.
TRAI · TCCCPRContact windows & DND
Calling hours, frequency caps and DND checks gate the dialler before a number is placed.
DPDP ActConsent & residency
Cardholder data under consent, resident in India, encrypted and access-controlled.
PaymentsPCI-DSS handling
Tokenised card capture and PAN suppression, so cardholder data never lingers in a call, transcript or recording.
What card leaders ask before signing
How is card data kept safe on a call?
Tokenised capture and PAN suppression, inside PCI. Payment links and any card entry stay inside the standard, and card numbers never appear in a transcript or recording. The scope detail ships in the security pack.
Can it drive activation and first spend?
Yes, and it is one of the highest-return motions. Timed welcome, auto-debit setup and first-spend nudges turn a dormant card into an active one in week one.
Does it handle disputes without a bot arguing?
No bot argues a dispute. A contested charge is captured and routed to a person with the history attached; the AI handles the routine and hands over the moment judgement is needed.
Can it convert eligible spends to EMI on the call?
Yes. Eligible transactions are offered EMI conversion in-conversation, with the outcome written back to your system of record.
How does it help roll-rate?
By working every cycle, on time. Minimum-due secured first, a plan for the balance, and settlements to a person with authority, so accounts do not silently roll to the next bucket.
How is it priced?
Consumption on handled volume, plus a success fee on the outcome above your baseline. No seats; the full construct is on the outcome pricing page.
The rest of BFSI
One platform, every regulated book.
The same platform runs bank servicing, NBFC recovery, and insurance renewals, each with its own regulator and its own motion.