Autonomous AI agents for banking and collections

AI agents that understand, decide and act on every customer.

Automate collections, credit and support with agents that operate under your rules, on WhatsApp, calls, SMS, social media and email.

Book a demo

Banks, lenders, retail and distribution run on Shimli.

Sofíalive
Analyzing profile
Result+34%Reach in early collections
In production

Powering teams that move millions of conversations.

Ford
Pepsi
Lala
Banpaís
Diunsa
Sula
Chery
Cadelga
Ford
Pepsi
Lala
Banpaís
Diunsa
Sula
Chery
Cadelga
Ford
Pepsi
Lala
Banpaís
Diunsa
Sula
Chery
Cadelga
$0.0M+Portfolio recoveredwith AI agents · 2025
0×Proven returnrecovered per dollar invested
$0M+Promises managedrecorded and validated · 2025
0Active clientsacross 13 countries
The platform

Your whole operation, in one place.

Far more than WhatsApp. Shimli brings together the omnichannel CRM, flow builder, campaigns, process automation and real-time reporting, connected to your systems via API and orchestrated by FusionAI.

See the use cases
Omnichannel inboxshimli.app
Open
LT
Lucía Torres11:47
Template sent
MR
Marco Ríosyesterday
Assigned to Daniel P.1
id: 100482
EN
Elena Navasyesterday
Assigned to Carla M.
id: 100119
BS
Bruno Salasyesterday
WhatsApp2
id: 100307
AM
Ana Medinayesterday
Done, we'll record the…
id: 100256
AM
Ana MedinaSpecial Assets · Credit card
Wednesday 13:53
Dear Ana, to keep a good credit history and avoid late interest, let's set a date for your payment.
I'll pay today
I can't pay today
I already paid
Tag "id: 100256" added by Carla M.
The problem

What manual work costs.
Six costs no report ever shows.

Critical collections, credit and support processes still run on manual work. And every manual task carries a cost no report ever shows.

01

Early delinquency goes cold

Every day without contact, a current account drifts toward uncollectible. By the time your team calls, it's too late.

The costRecovery that evaporates
02

Your best people, on repetition

Expensive reps answering the same questions a thousand times, instead of closing the cases that move the needle.

The costHours you overpay for
03

Promises nobody chases

A payment promise with no follow-up is just a chat: no record, no reminder, no fulfillment.

The costRevenue promised, never collected
04

Credit stuck in paperwork

Validating documents and building files by hand stalls every application, and the customer leaves with whoever answers first.

The costApplications that go cold
05

Channels that don't talk

WhatsApp, calls and email live in silos. The customer repeats their story; your team loses the thread.

The costContext lost at every hop
06

Growth means hiring

Every spike in volume demands more headcount. Your cost rises with each new customer, instead of falling.

The costMargin that won't scale
How it works

“We already have a chatbot.”
We are not the same thing.

A chatbot follows a script and loses the thread when the channel changes. A Shimli agent runs this whole loop on every customer, on its own and in parallel.

How it works

A chatbot replies.
An agent completes the task.

A chatbot follows a script and loses the thread when the channel changes. A Shimli agent runs this whole loop on every customer, on its own and in parallel.

01Analyze
02Decide
03Execute
04Record
05Escalate
S
Sofía · Cooperativa AndinaAI agent · online
WhatsApp
TODAY
Message
Agent reasoning
The agent's actions will appear here…

You just saw a real collections case over WhatsApp, end to end. The same loop runs on calls, SMS, email and web.

Use cases

AI agents for
every critical process.

Collections, credit, support and operations, the processes where our agents deliver measurable results from the very first weeks.

Collections
Collections

Recover more, sooner and at lower cost.

We put agents to reach out at the optimal moment, negotiate within your policies and log every payment promise, across your whole portfolio, in parallel.

What it looks like in practice

Mariana is 6 days past due on her card. At 10:30, her peak response time, the agent messages her on WhatsApp, reminds her of her $1,250 balance and offers to split it into two payments per your policy. She accepts; the agent logs the promise for Friday and schedules the reminder. Your officer only sees the summary.

  • 24/7 reminders and early-delinquency management
  • Extension negotiation under authorized rules
  • Recording and follow-up of payment promises
  • Escalation of critical cases with full context
See the collections case
The platform

A platform,
not a tool.

FusionAI orchestrates every layer, from the channel to your core banking, so an agent can understand, decide and act end to end. You keep the control, the rules and the traceability.

ChannelsWhere your customer is
WhatsAppCallsSMSEmailWebSocial
AI agentsA workforce per process
CollectionsCreditSupportOperations
FusionAIOrchestration · the brain
Reasons in a loopPicks the best modelApplies guardrailsMulti-model
Business contextUnder your rules
Your policiesProfile & riskCustomer history
Integrations & traceabilityOn your systems, via API
CRMCore bankingBureauAudit logs
Institutional-grade trust

Security, control and traceability.

What a bank needs before putting AI in front of its customers: governance, not magic.

Secure & compliant

Access control, activity logs and an architecture ready to integrate with corporate environments.

Under your rules

The agent operates under guardrails and policies you define. The final decision can stay human.

Full traceability

Every conversation, decision and action is logged and auditable, across every channel.

Integrates, doesn't replace

Connects to your systems via API and starts with a controlled pilot. No need to replace your operation.

Shimli vs. chatbot

“We already have a chatbot.”
It's not the same.

A chatbot replies with a script. A Shimli agent understands, decides and acts, under your rules.

Traditional chatbotShimli agent
Follows a fixed answer script
Reasons and decides in an autonomous loop
Only replies to messages
Analyzes, negotiates and executes real actions
An isolated channel, no memory
Omnichannel, with context that travels with the customer
Tied to one model or vendor
Orchestrates the best AI model for each task
No traceability or follow-up
Logs promises, outcomes and escalates to a human

You're not locked into a model or a vendor. Shimli runs on FusionAI technology, our orchestrator that picks the best AI model for each task and connects to your systems via API. If a better one appears tomorrow, we adopt it without rebuilding your operation.

Common objections

What teams usually ask before getting started.

Straight answers to the most common questions from credit, collections and technology teams.

Shimli isn't a chatbot. It's a platform to build AI agents that understand context, analyze information, execute tasks in your systems and escalate to a human when needed. A chatbot replies; an agent resolves.
The agent never decides out of bounds. It operates under policies, rules and guardrails defined by your institution, and the final decision can still be human. You define what it can and cannot do.
No. You can start with a controlled pilot and connect progressively via APIs. Shimli doesn't require replacing your current systems, it integrates on top of what you already have.
Shimli works with full traceability, access control, activity logs and an architecture ready to integrate with corporate financial environments.
The pilot measures results from the first weeks: reach, payment promises, recovery, reduced operating load, response times and cost per action.
The next step

Let's spend 30 minutes designing your first agent.

We identify a concrete use case, collections, payment reminders or credit analysis, and show you how to apply it to your operation, measuring results from the first weeks.

From $139 a month, with a 14-day trial and self-serve setup. See pricing

01DiscoveryUse case, volume and KPIs to improve
02PilotControlled agent on a real process
03ScaleProgressive connection via API