What is Gradient Labs?
Gradient Labs provides AI agents that automate customer operations for financial services, including lending, disputes, and KYC. It targets banks, lenders, and fintechs seeking to handle collections, onboarding, claims, and support across email, text, and voice channels. Access requires requesting a demo from the vendor.
What are the features of Gradient Labs?
- Specialized financial agentsPurpose-built AI agents execute long-running processes such as collections outreach, dispute resolution, business verification, and insurance claim intake.
- Multi-channel communicationAgents conduct conversations via email, text, and voice, personalizing messages using account history and past interactions.
- Regulatory guardrailsOver 20 financial-services-specific guardrails run on every conversation turn, pre-configured for rules including FCA Consumer Duty, CONC, Reg E, Reg Z, PSD2, GDPR, and the EU AI Act.
- System integrationConnects to existing financial systems and help desks over API, CSV upload, or within current tools.
- Automated quality assuranceContinuous automated checks evaluate agent performance, alongside SSO, audit logs, and role-based permissions.
- Agent improvement tool (Collaborate)A feature for improving AI agents like code from wherever teams work.
What are the use cases of Gradient Labs?
- Collections recoveryAn outbound voice agent contacts borrowers in arrears at optimal times, personalizes messages from account history, and secures a promise to pay.
- End-to-end dispute handlingThe agent gathers and verifies evidence, decides the outcome, escalates to a human for sign-off, and files the chargeback with the card scheme.
- Business verification (KYB)The agent checks submitted documents against internal policy, requests missing items from the customer, and verifies the business before routing it to onboarding.
