Detects financial hardship signals, gathers income and expenditure context, and recommends forbearance, reduced-payment, re-age or settlement options against lender policy with human sign-off where required.
Not yet specifiedAssistiveComplexity: High
This agent is in the backlog. Registered interest decides which agents are specified and prototyped next.
What it does
Detect hardship cues (job loss, medical, bereavement) in calls and messages
Collect income/expense and household information
Apply affordability and eligibility rules to recommend payment holiday, reduced payments, term extension or referral
Flag vulnerability and route to specialists
Deliver decision explanation and maintain audit evidence