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Deterministic voice AI for regulated, compliant environmentsVoice AI for every conversation that has to be right.

MEGA.AI delivers only what your organisation has approved. Every word, every step, every decision. Built for regulated enterprises across lending, banking, utilities, telecommunications, insurance, receivables and every environment where a wrong sentence carries regulatory, financial and reputational cost.

Oscar, the MEGA.AI agent, welcoming you
No uncontrolled outputs
No hallucinations
No compliance surprises
0%
Hallucination
100%
Pre-approved wording
4–6 wks
Contract to production
MEGA.AI: deterministic voice AI for regulated environments
Built for regulated environments

If your customer conversations are regulated, MEGA.AI is built for you.

Every sector has its own rules, regulators and high-volume conversations. MEGA.AI is configured for each, on one deterministic engine.

Lenders · credit providers · collection agencies

Lending & Collections

Pre-delinquency engagement
Affordability & payment plans
Arrears, recovery & agency placement
Vulnerability & bereavement
Explore Lending & Collections
Energy · water

Utilities

Failed direct debits & bill shock
Relationship (“I love you”) calls
Priority Services Register
Every phase of collections
Explore Utilities
Retail banks · card issuers

Banking

Failed payments & declined cards
Overdraft & limit breaches
Transaction confirmation
Forbearance & arrears
Explore Banking
Mobile · broadband · TV

Telecommunications

Welcome & activation calls
Pre-suspension notices
Device finance & final bills
End-of-contract notifications
Explore Telecommunications
General · life · health

Insurance

Failed premiums & lapse prevention
Renewal contact
First notification of loss
Claims status & document chasing
Explore Insurance
Finance · AR · shared services

Order-to-Cash

Pre-due invoice reminders
Overdue chasing & promise-to-pay
Invoice disputes
Credit hold notices
Explore Order-to-Cash
+ Every regulated environmentPublic sector, healthcare administration, housing, gaming, pensions and any organisation where AI cannot be permitted to improvise.
New · MEGA.AI × IE Hub
ELLIE
Affordability assessments.
In minutes, not days.

ELLIE combines IE Hub’s affordability platform with MEGA.AI’s deterministic voice AI. SFS-compliant, audit-ready and built for every customer facing financial difficulty.

ELLIE: affordability in minutes
ELLIE, the affordability assistant
Deterministic AI. Not probabilistic guesswork.

Most voice AI is built to sound clever. MEGA.AI is built to be right.

Generative voice AI predicts the next word. In a regulated customer conversation, a prediction is a liability. MEGA.AI follows approved logic, step by step, so the same situation always receives the same approved response.

Probabilistic voice AI
MEGA.AI deterministic
What is said
Generated in the moment
Pre-approved, word for word
Same situation, twice
May respond differently
Always the same approved path
Hallucination risk
Inherent to the model
Zero
Audit trail
Reconstructed after the event
Every response traces to approved logic
Access to core systems
Kept at arm’s length
Designed to operate within them
Compliance sign-off
Test, monitor and hope
Approved before go-live
Why MEGA.AI

Four standards regulated enterprises cannot compromise on.

01

Zero hallucination.

The platform cannot generate an unapproved sentence. If it has not been signed off, it is not said.
02

Pre-approved wording.

Your compliance function approves the language, the rules and the journey. MEGA.AI executes them exactly, on every call.
03

Controlled, step by step.

Structured journeys progress from verification to resolution in a fixed, auditable sequence. No shortcuts. No improvisation.
04

Trusted inside core systems.

Because it cannot go off script, MEGA.AI can operate with live access to core banking, billing, policy, payment and collections platforms.
Oscar, the MEGA.AI agent, peeking in
How it works

Approved in. Controlled out.

INPUT
Approved wording, rules and journeys
ENGINE
Deterministic AI
Executes only what has been approved
OUTPUT
Controlled, auditable conversation

The platform cannot generate an unapproved response. Every word is governed.

MEGA.AI understands natural speech like any modern AI. The difference is how it responds: exclusively from the content, logic and journeys your organisation has approved.

Control
Only approved content can be spoken.
Governance
Journeys are defined and signed off in advance.
Predictability
The same input follows the same approved path.
Auditability
Every response traces back to approved logic.
Explore the platform
Every regulated conversation

The entire customer lifecycle. One governed voice.

Inbound and outbound, from the first proactive call to final resolution. Collections is one part of it.

01
Proactive contact at the first sign of risk.
02
Welcome, check-in and relationship calls.
03
The right person, before anything sensitive.
04
PCI-compliant payments within the call.
05
Affordability and fair payment plans.
06
Vulnerability identification and support.
07
Structured, fair collections and recovery.
08
Inbound service, queries and disputes.
Explore inbound and outbound products
For the executive team

One platform. Every executive priority.

MEGA.AI is selected by the executive team, not a single department. Each leader gets a different return from the same deterministic platform.

Chief Executive

Expand customer contact capacity without expanding regulatory exposure.

Chief Financial Officer

Lower cost to serve and to collect. Faster cash. A predictable, scalable cost base.

Chief Operating Officer

Absorb volume peaks without recruitment, training cycles or attrition.

Chief Risk & Compliance Officer

Zero hallucination, pre-approved wording and a complete audit trail for every conversation.

Chief Customer Officer

The same fair, consistent outcome for every customer, on every call, in every market.

CIO & CTO

Certified security controls and deep, governed integration into core platforms.

Proven in production
Real results inside BPO Collections
“Around 75% of our customer voice journeys are now supported by the AI agent, with most customers completing the initial verification checks without needing to speak to an advisor.”
Managing Director, BPO Collections
Trusted by enterprise organisations worldwide
BPO Collections
Vanquis Banking Group
CCS Collect
Collect Online
Nexum
Debtrak
Global company

Local entities. Global coverage.

Enterprise customers are served through MEGA.AI entities in the United Kingdom, Europe and the United States.

United KingdomEuropeUnited StatesGlobal coverage
About MEGA.AI
Trust

Compliance is the architecture. Not a feature.

Independently audited, encrypted end to end and designed to be explained to your board, your auditors and your regulator.

ISO 27001
ISO 42001
SOC 2 Type II
PCI DSS
GDPR
Cyber Essentials
View Trust & compliance
Proof, not promises
One journey.
Proven. Then scaled.

Book an executive briefing and define the journey that will prove the business case.