Agentic AI for Microfinance Agents
AI that automates borrower enquiries, KYC, scheduling and collections so agents spend more time building relationships and less time on paperwork.
28% faster onboarding
Faster borrower completion from enquiry to sanction
3x better collection adherence
Automation improves consistency and reminders
35% fewer field revisits
Geo-tagged evidence and complete job cards reduce repeats
Pressure points
Key challenges for microfinance agents
Field lending has tight cycles and complex verification needs. Automation reduces friction at scale.
Scattered enquiries
Leads come from camps, referrals and branches with no single intake point.
Document delays
Missing KYC and proofs slow down sanction and disbursement.
Collection inconsistency
Manual reminders and missed visits cause irregular repayments.
Repeated borrower queries
Borrowers need status updates on documents, payments and meetings.
Unstandardized field checks
Appraisal quality varies across agents and geographies.
Compliance and audit expectations
Regulators require traceable visit logs and document trails.
How Converiqo transforms field lending
Agentic workflows unify lead intake, onboarding, field visits and collections so every case moves predictably.
Lead Engine and Intake
Capture enquiries, classify by product and urgency, and assign to the right agent for speedy appraisal.
Onboarding and Verification
Pre-built checklists and geo-tagged verification reduce missing documents and speed disbursement.
Collections and Communication
Automated reminders, promises-to-pay workflows and ticketed disputes improve collection consistency.
Audit and Compliance
Visit logs, signatures and ticket trails create audit-ready evidence for internal and regulator reviews.
Core module
Sales / Lead Engine
Capture, qualify and convert borrower enquiries with minimal friction.
Automation Flow
Lead capture, qualification and routing
Capture enquiries from field visits, branch walk-ins, community camps, referrals and digital channels with automatic source tagging.
Auto-qualify leads by loan product, ticket size, collateral and urgency so agents focus on high-probability cases.
Instant calendar booking for appraisals and centre meetings with calendar sync and reminders.
Generate application drafts and document checklists from templates to speed approvals.
Automated follow-ups for incomplete forms, missing documents and pending approvals.
Lead dashboards with conversion funnels, channel performance and geographic heatmaps.
Automation Flow
Customer Self-Service
Borrower portal and chat widget for eligibility checks, document lists and application status.
Automated meeting schedules and reminders for field visits and group meetings.
Access to sanction letters, repayment schedules and receipts.
Self-serve prompts for partial repayments and promises to pay.
Localized FAQs and simple financial literacy nudges via WhatsApp or SMS.
Easy escalation path for disputes that creates a tracked ticket automatically.
Automation Flow
Ticketing System
Capture disputes, repayment errors and documentation issues into structured tickets.
Attach photos, audio notes and geo-tagged visit records for audit and evidence.
Assign tickets to branches, supervisors or specialist teams with SLAs and escalations.
Automated borrower updates on status changes and expected resolution timelines.
Analytics to identify common exception types and high-risk accounts.
Convert tickets into compliant remediation workflows with sign-off trails.
Automation Flow
Field Service Management
Schedule and dispatch field visits with optimized routing for multiple borrower stops.
Mobile-first job cards with checklists, photo capture and borrower signature capture.
Track agent location, visit timestamps and visit outcomes for compliance.
On-site verification templates for income, asset or business checks.
Parts and document pickup workflows for physical collateral or agreement delivery.
Closure reports automatically update borrower records and trigger next steps.
Automation Flow
Workflow Automation
Standardize onboarding flows: KYC, co-applicant checks, guarantor capture and eligibility gates.
Conditional approval steps that validate documents, risk flags and credit scoring outputs.
Automated disbursement triggers once checks and approvals are completed.
Collection routines with escalation rules for missed payments and promises to pay.
Templates for group vs individual lending, repeat loans and top-up workflows.
Audit trails for every workflow step to satisfy compliance and reporting.
Automation Flow
Knowledge Management
Central repository for SOPs, agent checklists and verification templates.
Quick answers for common field queries: required documents, interest rules and repayment options.
Localized content and scripts agents can use during borrower conversations.
Version control for policy changes and regulatory updates.
Searchable incident resolution guides tied to ticket types.
On-demand training micro-modules for new agents and refresher courses.
Automation Flow
Marketing Module
Automated repayment reminders and retention nudges to improve collection discipline.
Financial literacy campaigns and product awareness messages by geography.
Referral tracking and incentive workflows for branch and agent sourced borrowers.
Reactivation sequences for closed or lapsed customers with personalised offers.
Campaign performance dashboards with conversion and cost metrics.
Multi-channel distribution via SMS, WhatsApp and IVR for low-connectivity areas.
Automation Flow
Feedback / Survey
Automated surveys after onboarding, disbursement and closure to capture borrower sentiment.
Short, local-language questionnaires that work over chat or SMS.
NPS and complaint triggers that open tickets for immediate follow-up.
Sentiment analysis to identify systemic issues across branches or agents.
Collect testimonials for high-satisfaction borrowers for trust-building.
Dashboards linking feedback trends to agent performance and retention.
Stakeholder outcomes
Benefits across agents, branches and borrowers
Field teams get clarity, operations get control and borrowers get faster, clearer service.
Field Agents
- Clear daily routes and fewer missed visits with optimized schedules.
- Less paperwork with pre-filled templates and document checklists.
- Faster case handoffs and approval clarity from branch teams.
Branch Operations
- Consistent onboarding quality across agents and centres.
- Better visibility on incomplete documentation and pending approvals.
- Reduced rework from compliant field visit evidence.
Collections Teams
- Predictable collection routines with automated reminders and pledge tracking.
- Reduced delinquency through timely escalation and follow-up.
- Fewer reconciliations thanks to ticket-linked repayment logs.
Borrowers
- Transparent loan status and clear repayment schedules.
- Quick answers on required documents and meeting dates.
- Easier dispute resolution with traceable tickets and updates.
Compliance & Audit
- Audit-ready visit logs with geo-tags, timestamps and signatures.
- Automated exception reports for regulators and internal audit.
- Controlled workflows to ensure policy adherence.
Finance & Accounts
- Faster disbursement reconciliation and transparent receipt trails.
- Automated refund workflows and adjustments tied to tickets.
- Cleaner reporting for provisioning and portfolio quality.
Proof of impact
Microfinance teams on measurable change
Field lending runs more predictably on Converiqo
28% faster onboarding
Faster borrower completion
3x collection adherence
Improved consistency
Customer voice
"Converiqo reduced our field revisits and gave agents clear checklists. Disbursements now happen faster and borrowers are happier with clear updates."
— Ramesh Kumar, Regional Head, Rural Lending
Need-to-know
Frequently asked questions
Answers for agents, branch teams and operations leaders.
How can agentic AI support microfinance field agents?
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Agentic AI automates borrower communication, organises field schedules and simplifies verification steps. It helps agents manage enquiries, documentation updates and village-level follow-ups efficiently.
What challenges do microfinance agents face daily?
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Agents face scattered enquiries, documentation delays, repayment confusion and manual follow-ups. Automation brings structure and reduces errors across rural and semi-urban operations.
Can automation improve borrower onboarding and documentation flow?
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Yes. Automation sends reminders, tracks pending documents and updates application progress. It helps agents onboard borrowers faster and reduce manual coordination delays.
How does AI improve borrower transparency and trust?
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AI provides instant updates on loan status, meeting schedules, required documents and approval timelines. This clarity builds borrower confidence and reduces repeat queries.
What KPIs should microfinance agents track digitally?
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Key KPIs include borrower conversion, collection consistency, documentation turnaround, follow-up completion and satisfaction scores. Converiqo helps measure and improve these metrics.
How does Converiqo’s Lead Engine improve borrower conversion?
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Converiqo’s Lead Engine captures enquiries from community camps, referrals and field visits. It tags loan intent and urgency so agents can focus on high-probability borrowers.
Field lending excellence
Ready to automate onboarding, collections and field visits?
Start with one region and scale Converiqo across branches to improve conversion and collection discipline.
Integrates with LOS, CBS and common payment rails. Easy to pilot.