For your customers
One relationship, the whole way through.
The advisor your customers meet on every channel, in their own language.
The app and the advisor
Krimkar is the app. Kira is the advisor inside it.
Krimkar is where your customers check a balance, make a payment or get help. Kira is the AI advisor they talk to inside it, and on every channel beyond.
The consumer app and public site customers open to check a balance, make a payment, or get help, on their own time.
Can I move my payment to the 5th?
Done. Your next payment is set for the 5th, and it’s within your plan.
One thread that remembers, in their language, with every action validated before it happens.
Self-service and a real conversation, under one roof.
One thread, every channel
The same advisor, no matter how they get in touch.
Most customers tell their story over and over: a new agent, a new channel, a fresh start each time. Kira holds a single thread across all of them, so nobody has to begin again.
Wherever they reach you
WhatsApp, a phone call, IVR, web chat, SMS or email: the same advisor answers, with the whole history already in hand. The channel changes; the conversation does not.
It carries the whole story
A customer can start on WhatsApp, call in, then pick up on your site, and Kira remembers. Context is preserved from application to payoff, never restarted at the door.
In their own words
Kira speaks the customer’s language: 50+ global languages, including 12+ Indian. It clarifies an ambiguous answer mid-conversation rather than failing the form or routing them away.
Within the rules
Helpful, and never out of line.
Kira takes action: it moves a due date, sets up a plan, sends a statement. Every one of those actions runs only inside consent and the contact-window rules. It reaches out when it’s allowed to, stays quiet when it isn’t, and never oversteps to get the job done.
The result is an advisor your customers can trust and your compliance team can stand behind — warm enough to feel like a person, bounded enough to be safe.
When a moment needs a person
Knowing when to step back is part of the job.
A dispute, a hardship, a sensitive segment: some moments deserve a human, and Kira hands them over without hesitation. The whole conversation travels with the hand-off, so the person picks up exactly where the customer left off. Nothing to repeat, no story to retell. The hand-off is built in by design.
Every customer, treated like the only one.
One advisor who remembers, speaks their language and always stays inside the rules, from the first application to the final payment. That is the relationship Kira and Krimkar give every customer you serve.
See Krimkar & Kira at work.
Run the whole operation on KrimOS, or layer it onto the systems you have.