Sellium for Financial ServicesSellium for Financial Services:prequalified loans and insurance on WhatsApp
Someone asking for a loan or an insurance quote at 10 PM checks with two or three providers and goes with the one that answers first. Sellium prequalifies, collects the data and documents and quotes with your institution's rules, and passes the advisor the cases that are ready to close, with all the context.
How do you prequalify a customer for a loan or insurance on WhatsApp?
You prequalify them with an AI sales agent on WhatsApp connected to the institution's CRM, its core or policy administration system and its scoring engine. The agent asks what determines whether the person qualifies (amount and term, or the item to insure; income, employment and personal details), checks the score and the eligibility policies, calculates the payment or quotes the premium with the current rules, requests any missing documents and routes the application to an advisor with the case ready. Anyone who does not qualify gets a clear answer on the spot instead of silence.
In financial services, time to yes makes the difference: many inquiries come in on WhatsApp and get answered during office hours, and many applications are abandoned before they are finished. Sellium, the sales agent of the Vantegrate Suite, covers that first stretch around the clock and complies with your regulator's rules and with data protection requirements. The credit decision and the policy issuance stay with the institution.
Reading and validating documents with AI is handled by Arconte, the Vantegrate Suite's document agent, and the full picture of the sector, with all five agents applied to banks, fintechs, insurers and payment providers, is on the Financial Services page.
Where the application is lost before the yes
We mapped them in dozens of conversations with sales directors, digital channel managers and origination leads at banks, fintechs and insurers.
The inquiry comes in at night, the answer the next day
Many new leads arrive on WhatsApp, but they only get answered during office hours. By the time an advisor calls, the customer has already asked elsewhere.
Applications abandoned halfway
The long form, the document that will not upload, the question nobody answers: many applications are left half-finished and nobody picks them back up.
Advisors answering the same questions
Rates, payments, requirements and application status fill the sales team's day, so they get to the cases that are ready to close too late.
Non-qualifying cases on the advisor's calendar
Without prequalification, the advisor builds a file for someone the score was going to reject and loses the time the qualifying customer needed.
How Sellium sells a loan or an insurance policy
The agent's capabilities, mapped to each pain point: all of them run on your institution's policies, rating engines and systems, not on canned answers.
Instant answer
Calculates the payment in the chat
For personal loans, auto loans or small business credit lines, it calculates the payment with the rate and total cost of credit set by your policy, for several terms, without sending the customer to another channel.
Instant premium
Quotes insurance with your rating engine
For auto, home, life or health, it asks for the risk details and quotes the premium against your policy administration platform, such as Guidewire, Duck Creek, Sapiens or SAP for Insurance, with the coverages you have enabled.
Early filter
Prequalifies with your scoring
It checks your scoring engine and the credit bureaus you use, applies your eligibility policies and answers on the spot: prequalified, pending review or outside policy.
Complete file
Collects the data and documents
It requests the ID and proof of income and address in the chat, and says what is missing. Reading and validating each document is done by Arconte.
Handoff
Hands off to the advisor with the case ready
The advisor receives the application in Salesforce with the payment estimate, the scoring result, the documents and the full conversation, so all that is left is to decide and close.
Compliance
Works within your institution's rules
It asks for consent before requesting data, uses Meta-approved templates for messages the institution initiates and logs every interaction, to comply with your regulator's rules and with data protection requirements.
The loan inquiry that comes in on a Sunday at 10:40 PM
The flow for the most common request at a fintech or a bank: someone who needs financing and writes in when they have time, with the branch closed.
Sunday 10:40 PM
The inquiry comes in
A person writes to the institution's WhatsApp: she needs a personal loan to fix her car and wants to know what the monthly payment would be.
10:41 PM
Estimate in the chat
Sellium asks for the amount, shows her the payment over 12, 18 and 24 months with the current rate and total cost of credit, and explains the requirements.
10:43 PM
Prequalification
With her consent, it asks for her personal details, employment and income, checks the institution's scoring and tells her she is prequalified up to an amount, subject to verification.
10:46 PM
Documents in the same chat
She sends a photo of her ID and her latest pay stub. Sellium confirms they came through and tells her what is missing, if anything.
Monday 9:05 AM
The advisor closes
The advisor finds the application in Salesforce with the estimate, the scoring result, the documents and the conversation. They verify it, approve it according to the institution's policy and contact her to close.
An inquiry that used to get an answer on Monday, after the person had already applied elsewhere, reached the advisor prequalified and with a complete file before the branch opened. Multiply that by every inquiry that comes in at night and on weekends.
Why the first stretch decides the application, by the numbers
Public benchmarks on financial product onboarding and response speed: the application that drags is the one that gets abandoned.
68%
Of consumers surveyed abandoned an application for a financial product during onboarding
18 min
Average time at which a consumer abandons an online application for a financial product
7x
More likely to qualify a lead when contacting it within the first hour than one hour later
Public benchmarks, not Sellium results. The Signicat survey covered 7,600 consumers in 14 European countries, not Latin America, and is used as a reference for abandonment in digital onboarding. The Harvard Business Review figure measures web leads contacted by phone or email. Each implementation is measured against a baseline agreed with the institution (time to prequalification, completed applications, after-hours inquiries handled).
Secure AI agents that work with your data
Sellium works with personal data, income and identity documents: the most sensitive information a financial institution handles. That is why it runs 100% on Salesforce and Oracle Cloud Infrastructure, with those platforms' SOC 2 Type II and ISO 27001 certifications, a log of every interaction and the permissions you define, to comply with your regulator's rules and with data protection requirements. We don't claim anyone else's certifications: Vantegrate enables, the customer operates and certifies.
Frequently asked questions about Sellium for Financial Services
Can an AI agent approve a loan?
Can an AI agent approve a loan?
No: it prequalifies. Sellium checks the score and applies the institution's eligibility policies to say on the spot whether the person is prequalified, pending review or outside policy, but the credit decision stays with the institution, according to its policy and approval levels.
Can it quote auto, home or life insurance on WhatsApp?
Can it quote auto, home or life insurance on WhatsApp?
Yes. It asks for the risk details (the vehicle, its use and the area; the home and the sums insured; age and coverage amount) and quotes the premium against your policy administration platform with the coverages you have enabled. Issuance follows your process: the agent routes the accepted quote to the broker or the issuance team with the complete details.
How does it comply with financial regulation and data protection?
How does it comply with financial regulation and data protection?
It operates within the rules your institution sets: explicit consent before requesting data, Meta-approved templates for messages the institution initiates, cost disclosures as your regulator requires and a log of every interaction for audits. It runs on Salesforce and Oracle Cloud Infrastructure, and your data never leaves your instance.
Which documents can it request in the chat?
Which documents can it request in the chat?
Whichever your process defines: ID, proof of income, proof of address and, for small businesses, the company's documentation. Sellium requests them, confirms they arrived and attaches them to the application; extracting and validating the data is done by Arconte.
Does it integrate with my core and my CRM?
Does it integrate with my core and my CRM?
Yes. Sellium integrates with cores such as Temenos, Finastra, Mambu or Bantotal, with policy administration platforms such as Guidewire or Duck Creek and with Salesforce Financial Services Cloud, where every conversation and every application is stored. If your core does not expose an API, how to connect it is worked out during discovery, before we quote.
How much does Sellium cost for a financial institution?
How much does Sellium cost for a financial institution?
Sellium is priced in two parts: an initial implementation quoted for each institution (mapping your products and policies, training the agent and integrating with your core, CRM and scoring) and a monthly subscription with AI credits that scale up as needed, with no lock-in. You pay for WhatsApp messages directly to Meta, with your own account and no markup from us. For a number that fits your case, request a quote.
Get Sunday's inquiry to the advisor prequalified
Tell us which products you offer, how you prequalify and which core, CRM and scoring you work with. We will show you how Sellium would handle that first stretch and which cases would still go straight to an advisor.
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