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At SAMYORA, a simple website typically takes 2-4 weeks, while complex web applications can take 2-4 months. Mobile apps take 4-12 weeks. We provide detailed timelines during our free discovery call and keep you updated throughout the process.

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AI Automation for FinTech Loans: Barota Finance | SAMYORA

Overview

Paisa24Finance (a sub-brand of Barota Finance Limited) is a dynamic provider of short-term loans. SAMYORA engineered a comprehensive, multi-channel AI communications pipeline to handle their customer acquisition and service around the clock — delivering a Web Chatbot, WhatsApp Automation, and an AI Voice Agent, all orchestrated from a unified Control Panel.

The Challenge

Paisa24Finance struggled with high drop-off rates because customers had no real-time assistance while proceeding with the loan application process. Prospects frequently had questions about eligibility, EMIs, and document requirements that went unanswered outside business hours.

Furthermore, any outbound communication (like drop-off recovery and loan reminders) had to be rigorously managed. The system had to handle complex financial queries in localized languages (Hindi, English, Hinglish) and comply strictly with TRAI telemarketing guidelines to avoid severe regulatory fines.

Our Solution

SAMYORA delivered a highly decoupled, microservices-based enterprise AI system split across two robust environments.

Built in a completely separate repository for maximum stability, the chatbot is deployed to Paisa24Finance's website via a single, lightweight <script> tag. It operates independently of the core loan platform's codebase.

Key capabilities:

Strict Scope Guardrails: The bot strictly reads from a curated Markdown Knowledge Base. It refuses to answer non-finance questions, write code, or do general mathematics, ensuring it behaves exclusively as a professional loan assistant.
Dynamic Language Auto-Detection: If a customer speaks Hindi, the bot replies in Hindi. If they use English or Hinglish, the bot matches them instantly, holding the language consistently without drifting.
Fail-Safe Lead Capture: Lead capture is executed via a deterministic AI tool call rather than free-text scraping. Crucially, the widget is designed for resilience: if backend APIs fail or drop offline mid-conversation, the widget maintains state and successfully captures the lead regardless.
Smart Human Handoff: If a user requests a human agent, or if the AI detects sensitive triggers (fraud, harassment, data privacy demands, or legal notices), the system immediately halts AI intervention, flags the conversation as urgent, and routes it directly to the human ops queue.

2. WhatsApp Automation Gateway

We implemented a dedicated Meta WhatsApp Cloud API gateway to handle asynchronous customer journeys:

Drop-off Recovery: Automatically re-engaging users who abandon their loan applications halfway.
Loan Reminders: Sending timely, automated EMI and document-submission reminders directly to customers' phones.

3. AI Voice Call Agent

A custom Node.js Call Orchestration Server utilizing real-time WebSockets to integrate with Exotel.

Voice Engine: Uses Sarvam AI for ultra-low latency, localized Hindi and English Speech-to-Text and Text-to-Speech, backed by an OpenAI GPT-4o engine structured for precise financial script adherence.
Hardcoded TRAI Compliance: A core engine feature programmatically blocks all automated outbound campaigns outside the legal 9 AM to 9 PM IST window, ensuring Barota Finance is never exposed to regulatory breaches.

4. Admin Control Panel

To orchestrate this multi-channel system, we built a comprehensive, high-security React SPA dashboard powered by Vite and a dedicated Node/Express API.

Key Security & Ops Features:

4-Tier Dynamic RBAC: Permissions are resolved per-request on the server rather than cached in cookies. The system supports dynamic role grants for viewing leads, managing settings, and auditing transcripts.
Strict Data Masking: PII (like phone numbers) is masked aggressively at the server-level before serialization. Masked data hits the network tab, the DOM, and even the CSV exports, completely protecting customer data from unauthorized staff exports.
Append-Only Immutable Ledgers: Driven by strict MySQL database user constraints and trigger locks, records cannot be deleted. Nothing deletes a lead, a session, or an audit log, guaranteeing total systemic accountability.
Unified Analytics & Logs: Includes Advanced WhatsApp Logs integrated directly into the Lead Drawer, allowing managers to read multi-channel transcripts (Web + WhatsApp) side-by-side in one timeline.
Public Resilience: Because the panel operates over the open web (no VPN), it relies on strict per-IP rate throttling, brute-force lockouts, and short-lived revocable sessions to ensure enterprise-grade security.

The Result

We successfully engineered a robust AI infrastructure that orchestrates low-latency voice and text workflows. The system fully automates compliance rules, conversational logic, and administration — driving higher lead capture rates around the clock, recovering lost applications, and significantly reducing the manual workload for the Barota Finance call center team.