AI for credit solves the most expensive bottleneck for banking correspondents: a flood of simulation requests arrives — payroll, personal, FGTS — but the team can’t check margin, profile, and credit type lead by lead, so most go cold waiting for a response and close with whoever answered first. Credit decisions happen in the moment: those who simulate instantly and already understand available margin win the proposal. A Digital Employee from XMACNA answers the request the second it arrives, qualifies what matters — credit type, margin, real intention —, schedules with the right consultant and even reengages lost leads. Each conversation turns into a contact and stage on the Intelligent Dashboard.
Simulation answered instantly. Margin and profile already qualified. Consultant just closes the deal.
Client contacts via WhatsApp, voice, or active campaign.
The Digital Employee reads history, memory, and data from the Intelligent Dashboard.
It chooses the next action: reply, qualify, schedule, collect, or escalate.
The conversation turns into structured data, private notes, and updated opportunity.
Your team takes over when a human is needed, already with full context.
The lead sends the same simulation request to three correspondents and closes with whoever responded first and already understood their margin. If your request goes into a queue waiting for someone to check profile and call later, intention has already passed — and a lead who requested simulation last week, without follow-up, becomes a dead contact in the spreadsheet. The Digital Employee takes the frontline and frees your consultant to close what matters.
Lead requests simulation and waits in a queue until someone has time to check margin
The Digital Employee simulates the moment the request arrives, 24/7, before the lead cools down
Team spends the day checking margin and profile of curious leads who never would close
Qualifies what matters — credit type, margin, intention — and only passes ready leads to the consultant
Lead is stuck on "how much can I get?" and "how much will the installment be?" without instant answers
Clarifies credit type, range and what fits the margin — no lead waiting for response
Forgotten follow-up: leads who asked for simulation yesterday disappear forever
Warms up the lead who disappeared at the right moment and reopens the conversation before it becomes dead contact
You don’t change the correspondent’s system nor manually input leads. XMACNA connects the Digital Employee to the tools your team already uses and it takes over end-to-end service — without sounding robotic and without the consultant handling anything. Start with a free assessment: we show where your operation loses proposals today.
The moment the request arrives — Sunday, 22h, off-hours — the Digital Employee replies, understands credit type (payroll, personal, FGTS), assesses the range that fits and holds the lead before they close with a competitor.
01 · SimulatesIdentifies what the consultant needs — credit type, available margin, connection, real intention — separates hot leads from curious ones and organizes everything in your correspondent’s voice, without rework and without exposing the consultant to leads who wouldn’t close.
02 · Qualifies marginSchedules the conversation on the right consultant’s calendar already with the simulation context, warms up disappeared leads with Long-Term Memory and records every step in the Intelligent Dashboard — no manual typing needed.
03 · Schedules and recordsThe Digital Employee EXECUTES: instantly simulates payroll, personal and FGTS, qualifies credit type, margin and lead intention, schedules with the right consultant and reengages cold leads. All 24/7, in your correspondent’s voice, logging each step in the Intelligent Dashboard.
It responds alone, instantly, even outside business hours and with a high volume of simultaneous requests. Understands credit type, finds the range that fits, and only delivers the lead to the consultant with margin and profile ready — no waiting for replies.
Yes. The Digital Employee chats to understand credit type (payroll, personal, FGTS), connection and intention, and organizes the profile for the consultant. When the proposal requires consultant expertise or fine margin checks, it passes the lead already warmed up and with context.
Yes. It tracks those who requested simulation and didn’t answer, reopens conversation at the right time with Long-Term Memory, and rekindles intention — so a cooled lead doesn’t become a dead contact in the spreadsheet.
No. It serves using your correspondent’s voice, understands audio and context, and replies as your consultant would. When human help is needed, it passes to the consultant with conversation and simulation ready, recording everything in the Intelligent Dashboard.
to deliver extraordinary results in your Digital Employee.
Combining the best of each model for superior results.
Free assessment. In 30 days it is answering customers.
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