This will assist new credit card holders with their first transactions, eliminating potential confusion and building confidence from the start. Flametree’s AI agents engage in friendly, empathetic conversations that guide customers through that initial experience while also handling general inbound inquiries with clarity and efficiency.

"AI only matters when it delivers results. What we’ve built together with the NOVACARD team demonstrates how agentic AI can boost efficiency, improve service quality, and uncover new insights – all at once. It’s a milestone that reflects where the future of fintech is heading,” says Oleg Baranov, Founder of Flametree, commenting on this collaboration.

Supported by next-generation, LLM-powered analytics, NOVACARD can now deliver personalised outreach campaigns that have already driven a 13-15% increase in card usage within the first month after onboarding.

Since the deployment, NOVACARD has achieved up to 2.5× lower operational costs compared with fully human support teams – without compromising service quality. Integrated directly into NOVACARD’s CRM, Flametree’s AI agents now handle the majority of common customer inquiries while continuously A/B testing the balance between AI and human support, enabling faster and more consistent service. By taking over routine requests, Flametree’s AI frees human agents to handle more sensitive cases that truly require human insight.

“At NOVACARD, AI isn’t just technology – it’s the strategy that orchestrates empathy and elevates customer connection through context-driven insights. While our bots drive precision and efficiency, our teams focus on creating deeper, more meaningful relationships,” says Pamela Perez Figueroa, Head of Operations of NOVACARD.

Flametree’s AI agents now also manage pre-collection at scale, reaching out to hundreds of customers every day – early, proactively, and with real empathy – before payment delays occur. By combining behavioural insights with conversational AI, NOVACARD has successfully reduced delinquency rates while preserving customer satisfaction and trust.

Flametree and NOVACARD plan to continue expanding the collaboration. Several additional AI agents built on the Flametree Agentic AI Platform are already in development and will soon be deployed to further expand automation and insight across NOVACARD’s operations.

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