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Every question answered, before the branch opens.

People sort out their money at night and on weekends, when every branch is shut. ORIKIN answers every call and message the moment it arrives, quotes the real cost, completes the application, and books an adviser for the part a person has to decide.

What it does for a finance desk

Needs a person #7702
Customer wants to settle three years early. The early-repayment charge and the payment history are attached.
Approve early settlement customer waiting

The only row that ever asks for you. The contract is read, the argument is made, the decision is yours.

Live now #7719
Asking what $20,000 over three years costs. $612 a month, adviser on Thursday.
Answered 00:14 adviser slot offered

11pm on a Tuesday. The branch had shut six hours earlier and the appointment went in the diary anyway.

Mission control

And the day, written down.

Hour by hour, how the applications arrived, and what callers asked about most. You never have to open it. It is there when you want it.

Monday 27 July
Good afternoon, Sara
3,261 conversations handled today
S
All systems live · Cardova agent · last action 2 min agoToday7 days30 daysSynced just now
What your AI did today
Your value scoreboard
3,261
Conversations handled
1,071
Calls answered
460
Applications completed
186
Sent to an adviser
Applications completed today
through 16:40 · two thirds outside branch hours
+7% vs. yesterday
460
vs. 430 same hour yesterday
0500 applications
00:00NOW
How today is going6 hr ago

Applications are 7% ahead of the same hour yesterday, and two thirds were finished outside branch hours — 222 conversations in the 9am hour alone, none of them queued. 186 went to an adviser: every affordability question, every dispute above a threshold, and anyone who sounded distressed. It does not give financial advice, and it never will.

regenerates every 24 hoursSee reasoning
Activity volume
Hour by hour · today·dotted line = day average
ChatCallsApplications
Where work comes from
Applications by channel · today
460completed today

Voice calls leads at 34%, across all five channels today.

Voice calls156 · 34%
WhatsApp124 · 27%
Web chat110 · 24%
Instagram41 · 9%
Telegram29 · 6%
How calls and messages feel
Sentiment across 3,261 conversations today
79%positive — good today
+2 pts vs. yesterday
2,576 positive522 neutral163 negative
Top concerns today
card blocked abroad248loan application status171disputed transaction122
When you’re busiest
Hour by hour · today vs. yesterday
Busiest around 11:00·447 interactions
TodayYesterday
Swipe right
One case, end to end
Inbound call Cardova Finance Live · 02:04
Caller Before I apply — what would twenty thousand over three years actually cost me a month?
ORIKIN On the advertised three-year rate, $612 a month, $22,032 all in. Your own rate depends on a credit check. Breakdown’s on your WhatsApp.
Caller Yeah, put me down for Thursday.
#7719 Appointment
Full breakdown sent · caller still on the line
Thursday 11:00 AM
Personal loan · 3 years
→ Adviser · Laura K. In the diary
Confirmed on the call · 02:21 → Adviser booked ✓✓

One call, a full cost breakdown and a slot in the diary. Nobody in the branch touched it, and nobody had to ring back.

Every job a finance desk gets asked to do.

Revenue Answered at 11pm. Nobody applies for anything at 10am. It answers the 11pm question and starts the application there and then.
Revenue Answered at 11pm.
Enquiry in
23:18
from the rate page
Replied
23:18
same minute
Adviser offered for Thursday
Revenue The rate they asked for. Instantly. No callback. The exact rate, term and monthly figure, while they are still on the line.
Revenue The rate they asked for. Instantly.
Asked for the monthly cost and the fees
Monthly$612
Term36 months
Total$22,032
Sent to WhatsApp · 01:58While on the call
Service One diary. No clashes. It reads the branch and adviser calendars you already keep, so two customers never get the same slot.
Service One diary. No clashes.
Thu 11:00Personal loan · 3 yearsBooked
Thu 11:40Card application · R. OkaforOffered
Thu 12:20Adviser already outNot offered
Revenue Knows who is ready to apply. Income, outgoings, what they already owe — asked in the first two minutes, so an adviser opens a file that is worth their time.
Revenue Knows who is ready to apply.
Income$6,400 a month
Outgoings$1,950 a month
Existing creditOne card, $2,100
Asked in the first two minutes
Money The real cost. Up front. Rate, fees, and what it costs to leave early. Said before the paperwork, not after it.
Money The real cost. Up front.
Monthly$612 a month
Total3 years · $22,032
Told before the paperwork, not after
Service The file completes itself. Payslips, ID, proof of address. Asked for again, politely, until the file is whole.
Service The file completes itself.
Photo IDIn
Employer referenceChased twice
Signed agreementWaiting
Applications Withdraws it, keeps the file Stops the application, tells the underwriter, and holds everything for when they come back.
Applications Withdraws it, keeps the file
App 3318 · withdrawn 16:20$612 a month
Underwriter notified3 years · $22,032
File kept · 90 days
Tickets Disputes, written up properly. No forms. It writes it up in the customer’s own words, with the transaction and the dates already attached.
Tickets Disputes, written up properly.
Reported 21:14Not urgent
Duplicate charge · $89 at a café
→ Disputes desk · statement attached
Urgency A blocked card never waits for morning. A card frozen abroad at 2am. It confirms the block, arranges the fallback, and wakes whoever is on call.
Urgency A blocked card never waits for morning.
2:41
Card used in two countries
Frozen at 02:38 · Bangkok
→ On-call fraud officer, with the trail
Revenue Follows up. Every time. The application that stalls at the last document. It asks the next day and tells you who answered.
Revenue Follows up. Every time.
Spoke Thursday
“Happy with the rate, worried about the early-exit fee.”
Second adviser slot offeredYou were told
Memory Nobody repeats themselves. Rang in March, messaged in June. Same person, same file, nothing repeated back to them.
Memory Nobody repeats themselves.
PhoneWhatsAppThe rate pageWalk-in
One file, one customer
Language Fluent in 25+ languages. A branch serves whoever walks in. Every caller gets their own language, on the first ring.
Language Fluent in 25+ languages.
العربيةEnglishРусский中文+22
Every language, one file
Revenue Renewals, before they surprise anyone. It flags the maturity dates early and writes the message. You decide when it goes.
Revenue Renewals, before they surprise anyone.
31 MarFixed rate ends · Rebecca L.Drafted
14 AprCard expires · M. BennettDrafted
Nothing sendsUntil you approve
Reputation The complaint that never becomes one. The customer nobody called back is tomorrow’s complaint. It reaches them first, and tells you what it said.
Reputation The complaint that never becomes one.
“I’ve had three different answers on this.”
Branch managerSame hour
Swipe right

It also runs current rates and fee tables, which documents each application needs, branch opening hours and directions, and the message after a call that asks how it went.

Where it stops
✓ It says this

“On our three-year rate that’s $612 a month, $22,032 in total, no arrangement fee. I have Thursday at 11 with an adviser.”

✗ It never says this

“Yes, you can afford that comfortably. I’d take the five-year instead.”

Affordability, disputes above a threshold, anything that counts as advice, and any customer who is genuinely distressed. It prepares the decision, attaches what it found, names who should make it, and says so to the customer in plain words. No rate, no limit and no write-off is ever agreed without a person tapping approve.

See it run your front office.

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