Rules differ by market
US, Canada and India each have their own contact, consent and fair practice rules. Keeping agents inside all of them by hand does not scale.
Solutions
Lenders and Fintech
Lenders and fintechs grow on speed, but a single bad contact or an unapproved offer can put a lending licence at risk. Spine lets you move fast inside the rules.
The problem
Growth and conduct pull in opposite directions.
More applications and more accounts mean more conversations than a small team can supervise.
Offers need sign-off
An AI agent that promises terms nobody approved creates a liability the moment it speaks.
Partners want evidence
Bank partners and regulators ask for proof of how every customer was treated, not a policy document.
How Spine answers it
Origination and servicing agents on one governed platform.
Voice AI and Collections do the volume. LiveAssist and NEQQO keep the people and the quality in step.
Voice AI
Application follow-ups and servicing calls in region and in language.
Learn moreCollections
Early stage recoveries with every contact rule checked first.
Learn moreLiveAssist
Coaching for the team that handles complex applications.
Learn moreNEQQO
Every conversation checked for fair treatment.
Learn more
On the platform underneath
Guardrails on every step
Checks run after every generation step, so a reply that breaks a rule is blocked before a customer sees it.
Governed executionModel router
Per-tenant model policy with fallback chains and open-weight models. Your models, your region.
Model routerAgent Studio
Templates by domain, dry runs, evals and readiness checks before anything goes live.
Agent Studio
Regulations that matter
Mapped to lending rules across three markets.
Controls are mapped once in a common control set and applied by the jurisdiction of each customer.
Digital lending and fair practice rules in India
Contact timing, conduct and disclosure checks follow digital lending and fair practice rules in India on every call.
IndiaControls mappedDPDP
Controls mapped for consent, purpose and data principal rights, with voice running in region on Google Cloud in Mumbai.
IndiaControls mappedCERT-In
Controls mapped for security incident handling and log retention expectations.
IndiaControls mappedTCPA
Controls mapped for consent and calling rules on automated outbound calls.
USControls mappedGLBA
Controls mapped for safeguarding borrower financial information.
USControls mappedPIPEDA
Controls mapped for consent and purpose limits on personal information.
CanadaControls mapped
Controls mapped, not a certification
Spine maps its controls to these frameworks and collects evidence from the platform itself. That is designed to support your own compliance work. It is not a certification and it does not replace your legal advice.
Illustrative scenario
A digital lender in India follows up on applications by voice.
A growing digital lender wants to call applicants who dropped off, in their own language, without breaking fair practice rules.
Consent checked
Only applicants who gave consent and are inside their contact window are queued.
Voice AI calls
Calls run in region with open-weight models, designed for sub-second turns and guardrails on every reply.
People take the hard cases
Questions about terms hand over to a loan officer coached live by LiveAssist.
Partner review
The lender shares scored conversations from NEQQO and the ledger record with its bank partner.
Illustrative scenario
This is a composite example of how the products work together. It is not a customer story and it describes no real organisation.
Grow without the conduct risk.
We will show a governed follow-up call, a handover and the record your partners can check.