// INDUSTRIES / FINANCIAL SERVICES
Trusted engineering at transaction speed
From core banking modernization to real-time payments and AI risk intelligence, we build the critical systems financial institutions rely on to operate, innovate and scale.
// TESSERA IN FINANCIAL SERVICES
Agents that decide and execute inside your perimeter, with every decision auditable for BACEN.
Tessera is the AgentOS where your financial agents really operate: they negotiate, decide and close agreements with predictable cost per execution and governance built into every step.
Autonomous credit recovery
The agent negotiates the debt on WhatsApp, from first contact to closed agreement, and escalates to a human only when policy requires.
- 01
Identifies
Debtor and best contact window
- 02
Approaches
Via WhatsApp with AI disclosed
- 03
Negotiates
Within policy limits
- 04
Closes the agreement
Records, signs and issues the payment slip
- 05
Escalates
To a human when policy requires
// OTHER AGENTS IN THIS VERTICAL
Tessera operates multiple specialized agents for the full credit cycle, each with its own harness, governance and cost per execution.
KYC
End-to-end identity verification
Onboarding
Guided and autonomous account opening
Credit analysis
Real-time credit decision
Collections
Autonomous recovery with agreement and payment slip
Anti-fraud
Detection and blocking of suspicious transactions
// AUDIT
BACEN will want to see it. The agent already recorded it.
Every decision with a traceable reason. Mandatory AI disclosure at the start of every conversation. Immutable audit trail per execution, no black box.
// DATA SOVEREIGNTY
Customer data stays where you say.
Cloud, isolated cloud or BYOC. The agent runs inside your cloud and no customer data travels outside your perimeter.
// FINOPS
Cost per attempt. Not per team.
Every execution with a known cost before it runs. Configurable cap per execution. Scale collection volume without scaling headcount.
Ready for agents that decide and execute?
See Tessera working in your context.
Ready to modernize your financial infrastructure?
Schedule a briefing with our financial services engineering team.
- 01Choose the operation
- 02Run the Readiness Assessment
- 03Put Tessera and the team live
Companies that trust Sciensa's work
