Lumo
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Automation playbook · Banks & finance

Customers don't wait in the queue. They leave in minutes.

Balances, card blocks and loan status get asked thousands of times a day. We build the secure automations that answer them 24/7, no queue, no overloaded agents.

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Live in days · Works on WhatsApp, web and phone · No new software for your team

~5 min is how long a customer waits before abandoning the support queue. After that, they leave, or call another bank.Source: international service benchmarks
The leak map

Where the hours leak.

Every bank runs the same flow: customer → call center → systems. Time leaks at three points, and an automation seals each one.

Customerbalance, block, where do I claim?
Leak 1 · Overloaded queueBalances, hours and locations flood your agents all day.
Lumo automationSecure voice and WhatsApp answer balances, branches and card blocks 24/7, with authentication.
Call centerqueues, waits, hours
Leak 2 · Slow loan intakeApplications and KYC are manual. The customer cools off in the queue.
Lumo automationAutomated loan pre-qualification and KYC document capture.
Collectionspayments, reminders
Leak 3 · Manual collectionsPayment reminders go out one by one, late.
Lumo automationAutomated reminders and gentle collections, before the due date.
See it work

I lost my card. It's 11pm.

No queue, no hours. The agent verifies the customer, blocks the card instantly and orders the replacement. Securely.

1

Verifies securely and confirms identity.

2

Blocks the card instantly to stop any charge.

3

Orders the replacement without a branch visit.

Illustrative demo. Every flow is built around your systems and your security rules.

What we'd build for you

Five automations, one front line.

Seals leak #1

Secure voice + WhatsApp 24/7

Answers balances, branches, products and card blocks, with authentication, no queue.

Shorter queues, more self-service
Seals leak #2

Loan pre-qualification

Collects the details and pre-qualifies before an advisor sees it.

Loans that move on their own
Seals leak #2

KYC document capture

Requests and organizes the paperwork on WhatsApp, no back-and-forth.

Onboarding without friction
Seals leak #3

Reminders & collections

Nudges before the due date and runs gentle collections automatically.

Less default, no awkward calls
Seals leak #1

Advisor booking

Books the right advisor based on what the customer needs.

Every request, in the right calendar
The math

Do the math on your time.

Drag to your own numbers. This is the cost of doing by hand what an automation does for you.

That time, in money, every month
$2,165/month
43 hours/month back to selling · estimate

Put that time back into the cases that truly need a person. The automations run the repetitive front line.

Illustrative estimate. We map your real numbers in the audit.

One system. Clear momentum.

A 15-minute automation audit. Zero commitment.

We map your flow, mark the leaks, and show you exactly what we'd automate first.

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