Digitalisation of financial services in ESSOX with Virtual Assistant Emma

Communication solutions
Finance and Insurance

Emma is a great example of how the digitalisation of financial services can foster responsible lending and enhance customer service. It is another way to friendly remind clients of missed payments, helping them avoid issues related to payment delays.  

Jana Hanušová ESSOX, Managing Director 

Background

ESSOX wanted to design and implement a voicebot – the virtual assistant Emma – to be an integral part of their contact centre. Emma was deployed using advanced artificial intelligence in line with the company’s strategy to digitalize financial services. The goal was for Emma to engage in natural voice dialogues with customers and assist contact centre operators by handling simpler tasks, allowing them to focus on more complex customer requests.

Project implementation process

The deployment of the voicebot in the contact centre resulted in increased client satisfaction due to timely payment reminders. Virtual assistant Emma has been successfully handling over 95% of calls correctly, achieving a performance level similar to that of human operators.

The operators’ satisfaction also improved as they were relieved from repetitive tasks, enabling them to focus on resolving more complex issues. In its initial use case, Soft Collections, Emma processed the same volume of calls as three operators, managing over 6,000 calls per month.

Results and benefits

Increased client satisfaction

Emma handles more than 6,000 calls per month

Correctly resolves more than 95 % of calls

Allows operators to focus on more complex cases

Customer Profile

ESSOX s.r.o. was established in 1993 as a provider of consumer financing and leasing services. In 2003, it became part of the financial group of Komerčníbanka and Société Générale. Today, the company is one of the leading providers of non-bank financial services and its portfolio also includes products in the area of branded car financing.

Technologies used

  • Voicebot Soitron BOT with advanced NLP (Natural Language Processing)
  • STT (Speech to Text) technology by Phonexia
  • TTS (Text to Speech) technology by Phonexia/Acapela