Conversational onboarding for lenders & insurers
Make every form aCOnversationalJOurneY.
cojoy turns a rigid onboarding form into a natural conversation — capturing the same fields and the same compliance disclosures, then handing off to your existing LOS, KYC, bureau and pricing stack. We sit above your stack. We don't replace it.
The problem
Your application form is the most expensive page on your website.
The friction tax
Long application forms lose the majority of mobile visitors — industry studies put drop-off at 60–80%, with the KYC step the single biggest cliff. Every percentage point of completion you reclaim is a customer who would otherwise have walked.
The signal gap
A form records what the customer typed — never how they hesitated, what they corrected, which term they didn't understand, or why they bailed. Underwriting and product teams operate blind on the soft layer that a good human agent would read instantly.
The integration tax
Every institution already owns a LOS, a KYC vendor, a bureau hookup and a pricing engine. A rip-and-replace pitch is dead on arrival. The only viable opening is a layer that sits above the stack you already run.
How it works
Same fields. Same disclosures. Same handoff.
A conversational front door
The customer answers in plain language instead of tabbing through fields. The agent paces disclosures, bundles related questions naturally, and adapts to how the person actually speaks — including switching language mid-conversation.
Verification fires in-flow
KYC, liveness and bureau checks fire the moment the data is captured — not in an end-of-form batch. Your vendors do the verifying through a plugin contract; cojoy orchestrates the conversation around them.
A structured packet, handed off
When the conversation completes, cojoy emits a clean, versioned packet — every field, every disclosure acknowledgement, every derived signal — to your LOS over a signed webhook or JSON export. Nothing about your downstream stack changes.
Beyond the form
The signals a good agent reads — captured and graded automatically.
A form records what the customer typed. cojoy also reads how they answered, and emits it alongside the structured packet.
Intent & motivation
Why the customer wants the product, in their own words — fuel for risk segmentation and cross-sell.
Hesitation & confidence
Pauses, retries and clarifying questions. An early read on drop-off risk and on answers worth a second look.
Comprehension
A calibration probe asks the customer to predict an outcome from what they were just told. The gap between their answer and reality is graded automatically.
Soft life-context
“Getting married in three months”, “my wife will also apply”. The volunteered context a form has nowhere to put.
Drop-off cause
When a conversation is abandoned, cojoy classifies why — price, paperwork, or confusion — not just where it stopped.
Channel & pace preference
Fast or slow, formal or informal, English or vernacular. A personalisation signal for every later touch.
Captured signal: comprehension gap on pure-protection — surfaced to the underwriter alongside the structured fields.
What you get
Outcomes your risk, product and growth teams can act on.
Higher completion
Conversational pacing and resume-from-abandonment are designed to lift form-to-submit on long applications — turning more of the traffic you already have into completed submissions.
Faster time-to-decision
Because verification fires in-flow rather than at end-of-form, the decision-ready packet is assembled as the conversation happens, compressing turnaround.
Richer underwriting signal
Conversation-derived verdicts — does the applicant understand the product, does their stated purpose match volunteered context — travel with the structured packet.
Audit-grade compliance trail
Every disclosure acknowledgement and consent is captured verbatim, time-stamped and exportable. Forms record a tick; cojoy records what was said.
Built per vertical
Configured, not coded
Each vertical is a flow definition — its fields, disclosures, signals and vendor tools. Author one in code, or describe it to the conversational builder and get a runnable flow back. The same engine runs lending and insurance onboarding today.
- Regulator-aware flows — production-grade for India (RBI / IRDAI, DPDP, Fair Practices), and adaptable to other regimes.
- Customer-supplied LLM — you bring your own commercial API key; we don't lock you to a model.
- Multilingual intake with the structured packet kept canonical for your ops and risk teams.
- Text-first, with voice and additional channels available as the same flow, rendered differently.
We bring the conversation. You bring the form.
A 30-minute call: we tailor the live demo to one of your products, your disclosures and your vendor stack before we meet. cojoy is in alpha and access is by request.
Book a 30-min demo