Credit applications
A number or menu option takes people who want a loan straight to a sales advisor, skipping the complaints queue.
For your industryBanks, credit unions and lenders
Virtual phone number for banks, credit unions and lenders
Your members and customers call to ask about their loan, their installment or a charge they don’t recognize. Serve them from mobile and landline numbers with capacity, recording and order.
Let me explainService lines with capacity and order for banks, credit unions and lenders.
Explained simply
Why a virtual number for banks, cooperatives and lenders?
At a credit union or lender, the phone is the gateway to almost everything: the woman asking how much she has left to pay, the member who wants a personal loan, the shopkeeper whose card was declined. On paydays, bonus payout days or at month-end, lines get overloaded, and those who can’t get through end up waiting in line at the branch or looking for another institution that does answer.
With a 19 80 TIC Cloud virtual number you get +57 3xx mobile lines and local landlines by city that take many calls at the same time. A voice menu separates people applying for credit, people checking their installment and people reporting a problem, and sends each call to the right area. Conversations can be recorded, and reports show how many calls came in, how many were missed and how long each person waited before being served.
In financial services, trust and regulation carry a lot of weight. If you call or send messages to remind customers about installments, Ley 2300 de 2023 sets hours and limits for contacting people, and voice and SMS campaigns can be scheduled only within those windows. Your customers’ data must be handled under Ley 1581 de 2012 on personal data protection, so it’s a good idea to tell them the call is recorded and why. That way you gain speed without neglecting compliance.
customer service line for cooperativescustomer service number for lenderscall center for banks ColombiaSMS installment payment reminderscloud PBX for cooperatives
Use cases
What it solves for banks, credit unions and lenders
Installment reminder
Voice messages and SMS remind customers days before the due date, within the hours allowed by Ley 2300 de 2023, to reduce early delinquency.
Blocked cards or unrecognized charges
A menu option goes straight to the security team, so a distressed customer doesn’t wait in the general queue.
Member service across several cities
Local landline numbers in every city where you have offices, all answered from a single cloud phone system.
Automated FAQs
An AI agent answers questions about hours, requirements and documents for a loan, and hands off to a person when the question involves account information.
A normal day
Payday at a credit union
For example, on the 15th at 8 a.m., a savings and credit union gets its usual rush: members asking if they can pay by transfer yet, others wanting to know how much they owe and some who need a loan for their children’s school. The voice menu sorts them out: the AI agent answers general questions about dates and requirements; loans go to the sales advisors; complaints go to a separate queue. In the afternoon, the supervisor reviews recordings and sees in the report when wait times peaked.
What you’d use
The tools that work for you
PBX and call centerThe cloud phone system provides a voice menu, queues by area, recording and reports to measure service on paydays.Virtual mobile numberMobile and landline numbers with many simultaneous calls, plus number porting to keep the number your members already know.SMS and audioInstallment reminders by SMS and voice message with keypress replies, scheduled within the hours set by Ley 2300 de 2023.Artificial intelligenceAn AI agent answers repeat questions about requirements and dates at any hour and passes sensitive matters to an advisor.QTbrain CRM and ERPQTbrain shows the advisor who’s calling and their history, so customers don’t have to repeat their details.
Decision-maker
What each person on the team gains
General or office manager
Offers fast service that keeps members and customers from switching to other institutions.
Risk and compliance director
Has recordings, logs and campaigns scheduled within the hours set by Ley 2300 de 2023.
Customer service manager
Measures wait times and missed calls by time slot and adjusts staffing for paydays.
We answer your questions
FAQ: banks, credit unions and lenders
Are calls with customers recorded?
Yes, the cloud phone system can record calls and store them for review. Remember to announce at the start that the call is being recorded, as required for personal data processing under Ley 1581 de 2012.
How does it help me with Ley 2300 de 2023?
Voice or SMS reminder campaigns can be scheduled only on the days and hours when the law allows contacting people. That way you avoid off-hours messages that cause complaints and possible penalties.
Can I have landlines in the cities where I have offices?
Yes. In addition to the +57 3xx mobile number, you can have landlines in different cities, and all calls reach the same PBX so your advisors can answer from wherever they are.
Can I keep the number my members already know?
Yes. With porting you bring your current number without changing statements, cards or ads. Your members keep dialing the same number as always.
Does the AI agent replace my advisors?
No. It handles repetitive questions, like hours, requirements or payment dates, at any time. When the customer needs something sensitive or asks to talk to a person, it passes the call to an agent.
We’re ready
Let’s talk about your business.
Tell us how your customers reach you today and we’ll send you a free proposal, in plain language with no fine print.