Financial Services Solution

Secure Communication & Fraud Prevention for Financial Institutions

AI-powered calling platform for banks, credit unions, and lenders. Automate fraud alerts, payment reminders, loan status updates, and identity verification. PCI-DSS compliant with 95% fraud prevention rate. Reduce delinquencies by 35%.

Schedule Financial Services DemoView Compliance Docs
PCI-DSS Level 1 certified
SOC 2 Type II compliant
GLBA compliant
95%

Fraud prevention success rate

35%

Reduction in payment delinquencies

25%

Increase in customer retention

70%

Fewer status inquiry calls

Built for Financial Security & Compliance

Intelligent automation designed for regulated financial institutions

Real-Time Fraud Detection
Instantly notify customers of suspicious activity and verify transactions in real-time to prevent fraud before it occurs
Multi-Layer Security
PCI-DSS compliant with end-to-end encryption, voice biometrics, and detailed audit trails for regulatory compliance
Intelligent Customer Segmentation
AI analyzes customer behavior, risk profiles, and preferences to personalize communication and identify cross-sell opportunities
Financial Services Analytics
Track delinquency rates, fraud prevention effectiveness, loan conversion, and customer satisfaction in real-time dashboards

Comprehensive Financial Communication Suite

From fraud prevention to customer retention

Fraud Detection & Alert Notifications
Real-time alerts for suspicious transactions, account takeovers, and identity theft with immediate customer verification
  • Instant fraud alert calls/SMS
  • Two-factor authentication
  • Reduce false positive friction
  • Prevent account takeover 95%
Payment Reminders & Collections
Automated payment due date reminders, overdue notifications, and gentle collections outreach before delinquency
  • Reduce delinquencies 35%
  • Early intervention reminders
  • Payment plan coordination
  • Regulatory compliant collections
Loan & Application Status Updates
Keep applicants informed throughout loan underwriting, approval process, and document requirements
  • Application received confirmations
  • Document request automation
  • Approval/denial notifications
  • Reduce status inquiry calls 70%
Identity Verification & Authentication
Multi-factor authentication via phone call for account access, large transactions, and profile changes
  • Voice biometric authentication
  • Knowledge-based verification
  • One-time passcode delivery
  • Comply with KYC requirements
Account Opening & Onboarding
Automated welcome calls, document collection, account verification, and product education for new customers
  • Streamlined onboarding
  • Document submission reminders
  • Account activation confirmations
  • Improve activation rates 40%
Customer Satisfaction & Retention
Post-interaction surveys, service quality tracking, and proactive outreach for relationship management
  • NPS tracking & improvement
  • Churn prediction & prevention
  • Cross-sell opportunity identification
  • Increase retention 25%

Enterprise Financial Services Platform

Everything you need for secure, compliant customer engagement

Fraud Prevention
  • Real-time fraud alert notifications
  • Two-factor authentication calls
  • Suspicious activity verification
  • Account takeover prevention
  • Transaction dispute coordination
Payment Management
  • Payment due date reminders
  • Overdue account notifications
  • Payment plan coordination
  • AutoPay enrollment campaigns
  • Collections compliance (FDCPA)
Lending Operations
  • Loan application status updates
  • Document collection automation
  • Underwriting status notifications
  • Approval & closing coordination
  • Rate lock expiration alerts
Compliance & Security
  • PCI-DSS compliance
  • SOC 2 Type II certification
  • GLBA data security
  • TCPA consent management
  • Call recording & audit trails
View All Features

Solutions for Every Financial Institution

Customized workflows for different financial services

Retail Banks
Account services, fraud prevention, loan processing, customer retention programs
Credit Unions
Member services, personalized communication, loan origination, community engagement
Mortgage Lenders
Application status, document collection, closing coordination, rate alerts
Credit Card Issuers
Fraud alerts, payment reminders, credit line increases, rewards programs
Personal Loan Providers
Application processing, funding notifications, payment reminders, refinance offers
Wealth Management Firms
Client communications, market updates, appointment scheduling, compliance notifications
Payment Processors & Fintech
Transaction notifications, merchant services, customer verification, dispute resolution
Insurance Carriers (Financial Products)
Policy notifications, premium reminders, claims coordination, regulatory compliance

People love FoneSwift

Results from industry leaders

100+
Businesses use FoneSwift daily
2000+
Calls processed daily
500+
Calls handled by AI
24/7
Customer support
50+
Integrations available
"FoneSwift transformed our fraud prevention. We were notifying customers 4-6 hours after suspicious activity - by then, damage was done. Now real-time alerts stop fraud within seconds. We prevented $2.4M in fraud losses last year and reduced false positive friction by 60%. Member satisfaction is up significantly."
Michael Thompson photo
Michael Thompson
VP of Risk Management, Community First Credit Union
"Our delinquency rate was 8.5% - costing us millions in write-offs. FoneSwift automated early payment reminders and gentle collections outreach. Within 6 months, delinquency dropped to 5.2%. That's $1.8M in recovered revenue annually. The ROI is tremendous."
Jennifer Martinez photo
Jennifer Martinez
Director of Collections, Premier Lending Group
"Mortgage application status inquiries were overwhelming our loan officers - 40% of their day was answering "where's my loan?" calls. FoneSwift automated milestone updates throughout underwriting. Status calls dropped 75% and customer satisfaction increased 30 points. Officers focus on originating loans now."
Robert Chen photo
Robert Chen
SVP of Mortgage Operations, Capital Mortgage Bank

Why Financial Institutions Choose FoneSwift

See how we compare to legacy communication systems

95% Fraud Prevention Rate

Real-time verification

95% of fraud attempts stopped

35% Fewer Delinquencies

Automated payment reminders

35% reduction in delinquency

25% Higher Retention

Proactive engagement

25% improvement in retention
Features
FoneSwift

Secure AI Platform

Legacy Systems

Traditional Methods

Security & Compliance
PCI-DSS Compliance
Built-in, certified
Extra cost or unavailable
Data Encryption
End-to-end encryption
Basic or limited
Audit Trails
Comprehensive logging
Manual or incomplete
Efficiency & Cost
Monthly Cost
From $399/location
$2,000-$8,000
Delinquency Reduction
35% improvement
Manual processes
Implementation Time
1-2 weeks
3-6 months
Customer Experience
Fraud Alert Speed
Real-time (seconds)
Hours or days
Payment Reminders
Automated & personalized
Batch email only
Customer Satisfaction
Proactive communication
Reactive support
Best For

Institutions prioritizing security and efficiency

See Platform Demo

Institutions with unlimited IT budgets

Join 200+ financial institutions using FoneSwift

PCI-DSS Level 1 certified
Free core banking integration
Compliance guarantee

Frequently Asked Questions

Everything you need to know about secure communication for financial services

Is FoneSwift PCI-DSS compliant for financial institutions?

Yes, FoneSwift is fully PCI-DSS compliant and specifically designed for financial institutions. We maintain PCI-DSS Level 1 Service Provider certification (the highest level), implement end-to-end encryption for all payment card data, ensure secure transmission and storage of sensitive information, provide tokenization for payment data when needed, and maintain comprehensive security policies and procedures. We also hold SOC 2 Type II certification and comply with GLBA (Gramm-Leach-Bliley Act) data security requirements. Our platform undergoes regular third-party security audits and penetration testing. For financial institutions, we provide detailed compliance documentation for regulatory audits and examinations.

How does real-time fraud detection and alerting work?

FoneSwift integrates with your fraud detection systems to provide instant customer alerts. When suspicious activity is detected (unusual transaction location, large purchase, multiple failed PIN attempts, account login from new device), the system immediately contacts the customer via phone call and/or SMS, describes the suspicious activity without revealing sensitive details, verifies the customer's identity through knowledge-based questions or voice biometrics, confirms if the transaction is legitimate or fraudulent, and blocks the transaction if fraud is confirmed. The entire process takes under 60 seconds. This real-time verification prevents fraud before it completes and dramatically reduces false positive friction (legitimate transactions being declined). Financial institutions report 95% fraud prevention rates and 60% reduction in false positives.

Can FoneSwift help reduce payment delinquencies?

Absolutely! Payment delinquency is costly for lenders - write-offs, collection expenses, and credit reporting impacts. FoneSwift reduces delinquencies through early intervention with pre-due date reminders (friendly reminders before payment is late), payment due date notifications (on the day payment is due), early delinquency outreach (gentle reminder 1-3 days past due), payment plan coordination (offer flexible payment options for struggling borrowers), and AutoPay enrollment campaigns (reduce future late payments). The communication is personalized based on customer history and complies with FDCPA (Fair Debt Collection Practices Act) and state regulations. Financial institutions report 35% reduction in delinquencies with automated payment reminders. For a lender with $100M portfolio at 8% delinquency rate, reducing to 5.2% recovers $2.8M annually.

Does FoneSwift integrate with core banking and loan origination systems?

Yes! FoneSwift integrates with major banking cores and LOS platforms including Jack Henry (Symitar, Silverlake, CIF 20/20), FIS (Horizon, IBS, Profile), Fiserv (Precision, Premier, DNA), Temenos (T24, Transact), Finastra, nCino, Encompass, and others via API. The integration is bi-directional and real-time: we pull account data, transaction history, loan status, and payment schedules from your systems, and we write back communication history, customer responses, and verification results. This enables automated workflows - for example, when a loan application moves to underwriting in your LOS, FoneSwift automatically notifies the customer and requests missing documents. Your core system remains the source of truth while FoneSwift handles customer communication.

How does FoneSwift handle customer identity verification?

Identity verification is critical for financial institutions - for account access, large transactions, profile changes, and fraud prevention. FoneSwift offers multiple verification methods including knowledge-based authentication (asking questions only the real customer would know), voice biometric verification (analyzing voice patterns to confirm identity), one-time passcode delivery and verification, multi-factor authentication coordination, and device fingerprinting. You can configure verification requirements based on risk level and transaction type. For example, balance inquiries might require basic KBA, while wire transfers require voice biometrics plus OTP. The system maintains detailed verification logs for compliance audits. This robust authentication prevents account takeover fraud and meets regulatory requirements for customer identification programs (CIP).

Can FoneSwift automate loan application status updates?

Yes! Loan applicants constantly wonder "where's my application?" These status inquiry calls consume significant loan officer time. FoneSwift automates proactive communication throughout the loan lifecycle including application received confirmation, initial review completion notification, document request alerts with specific items needed, underwriting status updates (submitted to underwriter, in review, conditionally approved), final approval notification with next steps, closing coordination and document signing, and funding confirmation. This transparency reduces status inquiry calls by 70% - calls that interrupt loan officers from productive origination work. Applicants feel informed and valued throughout the process, improving satisfaction and reducing anxiety. The system integrates with your LOS to trigger communications based on loan stage changes automatically.

Is FoneSwift suitable for credit unions and community banks?

Absolutely! FoneSwift is ideal for credit unions and community banks that prioritize personalized member/customer service. The platform allows you to maintain your relationship-focused approach while automating routine communications. You can customize messaging with your brand voice, add personal touches to automated communications, maintain local community focus, and provide member-specific service. For example, credit unions use FoneSwift for member birthday calls, loan anniversary check-ins, financial wellness tips, and community event invitations - all automated but feeling personal. The system also helps smaller institutions compete with big banks on digital experience while maintaining the relationship advantage. Many credit unions report that automation actually improves member relationships by ensuring consistent, timely communication.

What kind of analytics does FoneSwift provide for financial institutions?

FoneSwift provides comprehensive financial services analytics including fraud prevention (fraud alerts sent, verification rates, false positive reduction, fraud losses prevented), collections & delinquency (payment reminder effectiveness, delinquency rates by product, collection contact success, recovery amounts), loan origination (application status inquiry reduction, document submission rates, time-to-close, applicant satisfaction), customer engagement (communication preferences, response rates, NPS scores, retention indicators), and compliance (TCPA consent documentation, call recording retention, verification completion rates). All dashboards are real-time and can be filtered by branch, product type, customer segment, or time period. You can benchmark against industry standards and identify opportunities to improve operations, reduce risk, and enhance customer experience. The insights support data-driven decision-making for marketing, operations, and risk management.

Still have questions?

Visit FAQ PageContact Our Team

Seamless Core Banking Integration

Connect with your core banking and loan origination systems

Salesforce

CRM

HubSpot

CRM

Pipedrive

CRM

Zapier

Automation

View All Integrations

Financial Services Insights

Learn how leading institutions optimize operations with secure automation

Financial delinquency reduction statistics and workflow
Guide

How Banks Cut Payment Delinquency by 35% with Automation

Read Article
Real-time fraud prevention workflow and statistics
Guide

Real-Time Fraud Prevention: 95% Success Rate Strategy

Read Article
View Related Articles
100+ Financial Institutions Already Using FoneSwift

Ready to Enhance Security & Customer Experience?

See how FoneSwift can help you prevent fraud, reduce delinquencies, and improve customer satisfaction - all while maintaining strict regulatory compliance.

Schedule Your DemoView Compliance Documentation
PCI-DSS Level 1 certified
Free core banking integration
Full compliance guarantee