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1. Overview
Non-verbal speech speaks volumes.
Analyzing speech patterns, such as
intonation, pace and emphasis, can reveal
people’s intentions and expected behavior.
VoiceSense has leveraged this powerful
concept, linking speech patterns to
tendencies and personal characteristics,
to forecast individual behavior. By using
machine learning (AI) techniques, the
solution builds individual behavioral models,
translated into a predictive score, which is
used for numerous use cases, from fintech
(loan default and debt recovery predictions),
to customer analytics (personalized
marketing, retention and risk management)
and healthcare, human resources and
interaction analytics
All VoiceSense solutions are language
independent, and backed up by solid
validation research, proven results and
patents, granted worldwide.
Tailoring financial offerings to customers
using the objectivity of speech patterns
VoiceSense’s real-time behavorial speech analysis
predicts customers’ risk profile and purchase style
Tailoring financial offerings to customers
using the objectivity of speech patterns
VoiceSense’s real-time behavorial speech analysis
predicts customers’ risk profile and purchase style
Sensing your customers 1www.voicesense.com
Predictive speech analytics can help
organizations monitor and anticipate
customer behavior, enabling them to
identify opportunities and provide
personalized service.
-Raul Castañon-Martinez, Senior Analyst

2. Fintech use cases
How does it work?
Risk assessment
Loan default predictions
It can be difficult for financial organizations
to tell if loan applicants – especially new
prospects -- will pay back their obligations
in time, or if they will default. VoiceSense
provides real-time guidance to phone
representatives, providing a predictive score
that supports the decision process. Using
this information, they can make instant
decisions on whether to set more stringent
criteria for high-risk applicants, or fast-
track loans for low-risk ones.
End results: Increased number of loans
approved, and reduced financial risk.
Insurance claims predictions
Similarly, insurance organizations want to
know if a prospect will file a claim, many
years down the line. By using VoiceSense’s
predictive scores, organizations can
determine the probability that a prospect
is likely or unlikely to file a claim. Given this
real-time information, agents can fine-tune
their decision processes and approval terms.
End results: Reduced number of claims,
better risk management.
VoiceSense offers a predictive analytics approach for the
financial organization, offering an accurate, automatic
way to predict clients’ future behavior in real time – while
they’re on the phone.
The fully automated process analyzes either recorded
voice files or live audio streams, using over 200 prosodic
speech parameters. We then apply predictive models
and signal processing techniques to create a behavioral
profile. The outcome is a prediction score for a specific
consumer behavior in use cases, such as loan default
prediction. The data is then automatically integrated into
organizations’ decision-making processes and CRM data.
Revenue opportunities:
investment-style predictions
Sales agents can get on-the-spot guidance
using VoiceSense, which builds an investment
profile from existing speech recordings,
which reveals customers’ investment style:
high/low risk preference, long-term/short-
term preference, involved/not-involved
preference, etc. Armed with this data, agents
can make instant decisions on whether to
continue speaking to customers who are
most likely not going to invest, or to offer
attractive investment opportunities to
customers ready to work with you.
End results: Increased sales, greater investor
satisfaction, more efficient process.
In-house HR candidate assessment
Human resources can automatically mass
screen candidate and assess applicants using
job match scores (e.g., financial consultants,
sales agents).
End results: Better employment selection and
drastic reduction in recruitment costs.
VoiceSense offers additional predictive
models or other use cases, including
collections guidance and algorithmic trading.
Sensing your customers 2www.voicesense.com

3. Loan default case study
The VoiceSense solution
Results
A large financial institution that provides consumer loans was finding that too many
customers were defaulting. At the same time, it was also interested in increasing the overall
number of loans it can approve instantly to low-risk prospects. However, the institution’s risk
assessment methods were not accurate enough.
The financial institution called on VoiceSense to predict the risk level of loan prospects.
To forecast expected, future loan defaults, VoiceSense built a baseline model, which could
assess personal risk-profiling specifically related to the loan default risk. Predicted risk per
client was ranked between one (highest risk) and 10 (lowest risk).
Loan prospects were classified into four risk groups, differing in their expected future loan
default probability. As seen in the table below, their actual default rate was strongly correlated
to the predictions. The average loan default percentage within the organization is 2.5%.
The three-risk categories table shows that prospects classified as low risk (32.6% of
prospects) had the lowest default risk and potentially were eligible for fast-tracked loans.
Those with a high-risk score (22.4%) had more than double the institution’s average loan-
default risk score (2.5%) and required stricter loan criteria.
BOTTOM LINE: With VoiceSense, this financial organization was able to identify high-risk
clients, mid-risk clients and low-risk clients -- using only speech voice analysis. By applying
this intelligence, it decreased loan defaults significantly and drastically reduced the time
it takes to approve loans. Their return on investment (ROI) is expected to be within three
months, if not sooner.
Sensing your customers 3www.voicesense.com
Loan risk: VoiceSense prediction vs. actual default rates
High
Risk
Medium
Risk
Low
Risk
VoiceSense
Risk Group
152305220
Number of
Customers
22.4%45.0%32.6%
%
of Sample
5.8%2.6%1.1%
Actual
Default %

4. VoiceSense system features
POC available,
with no obligation
VoiceSense’s proven, objective predictive speech analytics offers the following features that
can help financial organizations make better, more informed business decisions:
Instant prediction of client’s behavior enables personalized offerings per risk level
We do the heavy lifting for you: ready-made, speech-driven, big-data models
Behaviorial, rather than demographics focus
Language and culture-independent; patented technology
Cloud-based or on-premises solutions
ISO 27799 and 27001-certified
Fast ROI – within three months
VoiceSense offers selected financial organizations the opportunity to see how predictive
speech analytics works in their own environment. There is no integration involved; it is
based on existing voice recordings, per specific use case. Results can be seen within as
little as one week.
Sensing your customers 4www.voicesense.com
Please contact us for more information:
sales@voicesense.com
+972-74-7104382