25+
Agent Templates
Pre-built for Indonesian multifinance workflows.
Agentic Suite
Agentic Suite — voice and non-voice agents, one brain.
Darwix Agents don't just talk. They act. From lead qualification to collections and recovery, our AI agents complete the work across your systems while keeping humans in control.
Darwix Agentic Suite · Live Orchestration
Running
Conversation → actions
Customer Input
Pak, saya baru bisa bayar tanggal 25 ya
(I can pay on the 25th)
Intent: Payment Delay
Darwix Agentic Brain
- Intent & Sentiment Analysis
- Commitment Validation
- Payment Ability Check
- Action Planning
- System Execution
Actions Executed
- Update CONFINS CMS
- Send VA Link via WhatsApp
- Schedule Follow-up Call
- Log Audit Trail
Status: RunningActions Triggered: 0Time: 1.2s
60–70%
Manual Work Reduced
Back-office automation that scales.
< 2s
Average Action Time
From conversation to system update.
100%
Human-in-the-Loop
Material decisions always require human approval.
Built for Multifinance Operations
What our agents handle across the journey.
Acquire
Dealer leads, digital leads, consent and interest capture.
01
Onboard
Application completion, documents, verification and surveys.
02
Service
Payments, reminders, restructuring and servicing.
03
Collect
Pre-due, early bucket, PTP management and telecollections.
04
Recover
Field collections, recovery workflows and closures.
05
Featured Agent Categories
Twenty agents. Four categories.
One workflow engine.
Acquisition & Onboarding
- Dealer Lead Qualification Agent
- Consent Verification Agent
- Application Completion Agent
- Missing Document Agent
- Survey Scheduling Agent
Verification & Credit Ops
- Telephone Verification Agent
- Survey Memo Agent
- Contradiction Detection Agent
- Evidence Routing Agent
- Exception Review Agent
Collections & Recovery
- Payment Link Agent
- PTP Confirmation Agent
- Callback Scheduling Agent
- Delinquency Queue Agent
- Field Visit Avoidance Agent
Servicing & Lifecycle
- First Payment Activation Agent
- Service Request Agent
- Closure Documentation Agent
- Repeat Financing Agent
- Feedback Collection Agent
Agents execute actions across CONFINS, Midtrans, OJK SLIK, WhatsApp, core banking, CRMs and more.
Measurable Impact
From conversation to outcome.
Faster. Smarter. Safer.
↑18–25%
Higher promise-kept rate (PTP)
↓35–50%
Reduction in manual back-office work
↑15–20%
More accounts cured per collector
↓25–40%
Lower cost per collected rupiah
Human Control by Design
Automation with accountability.
Always.
Darwix Agents follow strict guardrails aligned with OJK collection ethics and UU PDP. Humans stay in control of all material decisions.
Agent Guardrails
- No autonomous credit approval
- No restructuring or settlement decisions
- No repossession or legal actions
- No third-party borrower contact
- Escalate hardship & disputes to humans
Built-in Controls
- Calling windows & frequency limits
- Explicit consent & AI disclosure
- Prohibited language detection
- Full audit trail for every action
- Role-based access & supervision
Darwix never approves/rejects credit, sets restructuring terms, or orders repossession. A human always decides.