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AI agents, RAG, and integrations — notes from production.

Fintech
Containment Rate for a Voice Agent — and Why It's Easy to Game
Voice AI containment rate is the headline metric and the easiest to game - by dead-ending hard calls, by confident wrong answers, or by gaming the denominator.
Fintech
How a Voice Agent Authenticates a Caller Before Taking Action
Voice AI caller authentication uses two zones: general info before verification, account-specific actions after, with the bar set by what the action risks.
Fintech
Measuring Speech Recognition Accuracy by Accent and Language
Voice AI accent accuracy: an aggregate recognition score hides underserved segments. Measure word error rate and field capture per accent group, not blended.
Fintech
After-Hours and Overflow: The Lowest-Risk Way to Start With Voice AI
Voice AI after hours is the lowest-risk first deployment: the alternative is a missed call, no headcount to displace, and the calls are simpler.
Fintech
Function Calling on a Live Call: Keeping Lookups Under the Conversation Budget
Voice AI function calling latency is bounded by conversational turn-taking, not the database: the tools must be narrow indexed point lookups.
Fintech
The Warm Handoff: What Data a Voice Agent Passes to a Human
A voice AI warm handoff transfers the live call with the transcript and verified data already on the human's screen, so the caller never repeats themselves.
Fintech
Barge-In: How a Voice Agent Handles Being Interrupted Mid-Sentence
Voice AI barge-in lets a caller talk over the agent and be understood: it needs voice activity detection, endpointing, and cancelling in-flight output.
Fintech
A Checklist for Choosing a Voice AI Vendor for Financial Services
A voice AI vendor checklist: measured phone-call latency, native barge-in, actions under your rules, a real warm handoff, and consent handling.
Fintech
False Positives Are a Revenue Problem: Costing a Wrong Decline
The fraud false positive cost is invisible in the loss ledger: a wrong decline produces no chargeback, just lost margin and a customer who leaves.
Fintech
Chargeback Fraud vs Account Takeover: Different Signals, Different Models
Chargeback fraud vs account takeover need different handling: one is a real-time authorization problem, the other a dispute-time evidence problem.