Fundamento Runs Millions of Financial Services Calls on Cartesia
Fundamento Runs Millions of Financial Services Calls on Cartesia
The Challenge: Voice AI for High-Stakes Financial Conversations Across India
Fundamento delivers voice AI agents for lenders and insurers — enabling high-quality, personalized customer interactions at scale. Their agents reach customers through natural and intuitive channels across the full lending lifecycle: including loan origination, lead engagement, onboarding calls, customer support, and debt servicing.
Founded after years helping companies build and train contact centers, Fundamento's team saw the shift coming: companies needed AI agents that could handle the full customer lifecycle. The company went live with its first voice agent in early 2024, and the market pull was immediate — three enterprise customers were so convinced by the results that they invested directly in Fundamento's pre-seed round.
Today, Fundamento initiates over 20 million outbound calls per month with over 5 million connected minutes monthly, serving India’s largest enterprises like IIFL, Hero FinCorp, Finnable, Fibe, and Zeny. Calls run across Hindi, English, and a growing number of regional Indian languages.
At this scale, voice quality isn't just a feature. It determines whether someone picks up, stays on the line, and engages honestly. Especially on sensitive calls in finance, a borrower's willingness to explain their situation depends on whether they trust the voice on the other end.
"Voice quality is a key pillar when we think about our conversational experience, because that's what makes people pick up the phone, engage with our agents, and give more honest answers," said Vickram Saigal, Co-Founder of Fundamento. "At an enterprise level, voice quality and tonality is super critical.”
Why Fundamento Chose Cartesia
Fundamento evaluated all the leading voice providers. But as they scaled into enterprise financial services, they needed a provider they could move their traffic onto with confidence. Fundamento chose Cartesia not only for voice quality, but also for low latency, reliability, and deep partnership.
On latency, Cartesia delivers 100ms time-to-first-byte — at least twice as fast as every other provider Fundamento tested. On live outbound calls where the first second of response determines whether a prospect stays engaged, that gap is decisive. Against incumbent cloud providers, the difference went beyond speed.
"Cartesia feels much more dynamic and human-like," said Saigal. "And compared to other providers, Cartesia is a lot more enterprise-grade. There's a clear partnership model."
Fundamento's agents use Cartesia's natural tonality to create conversations where borrowers are more willing to explain their situation honestly, allowing Fundamento to assess intent, adjust risk scores, and recommend appropriate next steps rather than defaulting to rigid scripts. The ability to have these conversations in Hindi, English, and regional languages — with consistent quality and natural pacing — is what makes the channel accessible.
Cartesia's India data center was also a practical differentiator. In a market with strict data residency requirements, providers without local infrastructure were non-starters for enterprise deployments.
What continues to build deep trust is the team. Through a shared Slack channel, Cartesia's team is responsive, present, and often ahead of the curve.
"There were moments where the Cartesia team was telling us things that were happening with our product before we even knew it," said Saigal. "That gave us a lot of trust — we've got the right partners who are watching us."
How Cartesia Powers Fundamento's Voice Agents
Recovering Lost Leads in Real Time
For Hero FinCorp, one of India's largest lenders, Fundamento deployed voice agents to rescue borrowers who dropped off during the digital loan application process. When a user goes idle for more than five minutes at any screen — often because the process is in English and they aren't a native speaker — Fundamento's agent calls them, identifies the issue, resolves it in their language, and guides them back through the funnel.
Powered by Cartesia, these agents drove a 42% return rate in dropped-off customers coming back to complete their personal loan application.
Converting Deposits Through Voice
For Shriram Finance, Fundamento's voice agents handle outbound lead engagement campaigns to convert interested customers into fixed deposit holders. Through natural, low-latency conversations powered by Cartesia, the agents have directly facilitated $1.7M+ in fixed deposit conversions — revenue that would have otherwise been lost to funnel abandonment.
Enterprise Reliability at 20 Million Calls Per Month
At over 20 million calls initiated monthly, Fundamento needs voice infrastructure that holds up. Cartesia delivers consistent quality and reliable capacity scaling across every call. The combination of voice quality and voice cloning capabilities, paired with repeatability across millions of calls, is what Fundamento needed for enterprise-grade delivery.
Results: Voice AI That Drives Financial Outcomes
Since moving traffic to Cartesia, Fundamento has delivered measurable business impact for India's largest financial institutions:
42% of dropped-off customers returned and completed their personal loan application for Hero FinCorp
INR 14 Crore in fixed deposits converted through voice agent lead engagement for Shriram Finance
20M+ calls initiated per month with 5M+ connected minutes, powered by Cartesia's consistent voice quality and capacity scaling
100ms time-to-first-byte — at least 2x faster than every other voice provider tested
Looking Ahead
As Fundamento expands into new regional Indian languages and prepares to enter other markets, Cartesia remains core to their voice infrastructure.
"Customer expectations are evolving very fast," said Saigal. "That's why you need partners who are constantly moving forward with you."
When the bar rises monthly and enterprise customers demand consistent improvement, the partnership model matters as much as the technology. For enterprises evaluating voice platforms, Saigal offers direct advice.
"Look for a team that is willing to partner with you. Do reliable scale testing and scale up gradually so you feel confident on reliability and repeatability. And choose a partner that's willing to get in the trenches with you to make working with enterprises successful," said Saigal.
The Challenge: Voice AI for High-Stakes Financial Conversations Across India
Fundamento delivers voice AI agents for lenders and insurers — enabling high-quality, personalized customer interactions at scale. Their agents reach customers through natural and intuitive channels across the full lending lifecycle: including loan origination, lead engagement, onboarding calls, customer support, and debt servicing.
Founded after years helping companies build and train contact centers, Fundamento's team saw the shift coming: companies needed AI agents that could handle the full customer lifecycle. The company went live with its first voice agent in early 2024, and the market pull was immediate — three enterprise customers were so convinced by the results that they invested directly in Fundamento's pre-seed round.
Today, Fundamento initiates over 20 million outbound calls per month with over 5 million connected minutes monthly, serving India’s largest enterprises like IIFL, Hero FinCorp, Finnable, Fibe, and Zeny. Calls run across Hindi, English, and a growing number of regional Indian languages.
At this scale, voice quality isn't just a feature. It determines whether someone picks up, stays on the line, and engages honestly. Especially on sensitive calls in finance, a borrower's willingness to explain their situation depends on whether they trust the voice on the other end.
"Voice quality is a key pillar when we think about our conversational experience, because that's what makes people pick up the phone, engage with our agents, and give more honest answers," said Vickram Saigal, Co-Founder of Fundamento. "At an enterprise level, voice quality and tonality is super critical.”
Why Fundamento Chose Cartesia
Fundamento evaluated all the leading voice providers. But as they scaled into enterprise financial services, they needed a provider they could move their traffic onto with confidence. Fundamento chose Cartesia not only for voice quality, but also for low latency, reliability, and deep partnership.
On latency, Cartesia delivers 100ms time-to-first-byte — at least twice as fast as every other provider Fundamento tested. On live outbound calls where the first second of response determines whether a prospect stays engaged, that gap is decisive. Against incumbent cloud providers, the difference went beyond speed.
"Cartesia feels much more dynamic and human-like," said Saigal. "And compared to other providers, Cartesia is a lot more enterprise-grade. There's a clear partnership model."
Fundamento's agents use Cartesia's natural tonality to create conversations where borrowers are more willing to explain their situation honestly, allowing Fundamento to assess intent, adjust risk scores, and recommend appropriate next steps rather than defaulting to rigid scripts. The ability to have these conversations in Hindi, English, and regional languages — with consistent quality and natural pacing — is what makes the channel accessible.
Cartesia's India data center was also a practical differentiator. In a market with strict data residency requirements, providers without local infrastructure were non-starters for enterprise deployments.
What continues to build deep trust is the team. Through a shared Slack channel, Cartesia's team is responsive, present, and often ahead of the curve.
"There were moments where the Cartesia team was telling us things that were happening with our product before we even knew it," said Saigal. "That gave us a lot of trust — we've got the right partners who are watching us."
How Cartesia Powers Fundamento's Voice Agents
Recovering Lost Leads in Real Time
For Hero FinCorp, one of India's largest lenders, Fundamento deployed voice agents to rescue borrowers who dropped off during the digital loan application process. When a user goes idle for more than five minutes at any screen — often because the process is in English and they aren't a native speaker — Fundamento's agent calls them, identifies the issue, resolves it in their language, and guides them back through the funnel.
Powered by Cartesia, these agents drove a 42% return rate in dropped-off customers coming back to complete their personal loan application.
Converting Deposits Through Voice
For Shriram Finance, Fundamento's voice agents handle outbound lead engagement campaigns to convert interested customers into fixed deposit holders. Through natural, low-latency conversations powered by Cartesia, the agents have directly facilitated $1.7M+ in fixed deposit conversions — revenue that would have otherwise been lost to funnel abandonment.
Enterprise Reliability at 20 Million Calls Per Month
At over 20 million calls initiated monthly, Fundamento needs voice infrastructure that holds up. Cartesia delivers consistent quality and reliable capacity scaling across every call. The combination of voice quality and voice cloning capabilities, paired with repeatability across millions of calls, is what Fundamento needed for enterprise-grade delivery.
Results: Voice AI That Drives Financial Outcomes
Since moving traffic to Cartesia, Fundamento has delivered measurable business impact for India's largest financial institutions:
42% of dropped-off customers returned and completed their personal loan application for Hero FinCorp
INR 14 Crore in fixed deposits converted through voice agent lead engagement for Shriram Finance
20M+ calls initiated per month with 5M+ connected minutes, powered by Cartesia's consistent voice quality and capacity scaling
100ms time-to-first-byte — at least 2x faster than every other voice provider tested
Looking Ahead
As Fundamento expands into new regional Indian languages and prepares to enter other markets, Cartesia remains core to their voice infrastructure.
"Customer expectations are evolving very fast," said Saigal. "That's why you need partners who are constantly moving forward with you."
When the bar rises monthly and enterprise customers demand consistent improvement, the partnership model matters as much as the technology. For enterprises evaluating voice platforms, Saigal offers direct advice.
"Look for a team that is willing to partner with you. Do reliable scale testing and scale up gradually so you feel confident on reliability and repeatability. And choose a partner that's willing to get in the trenches with you to make working with enterprises successful," said Saigal.
Join the world's leading enterprises building on Cartesia
Join the world's leading enterprises building on Cartesia
Experience the fastest text-to-speech model with Cartesia's voice AI technology
Experience the fastest text-to-speech model with Cartesia's voice AI technology
RESULTS
20M+ outbound calls per month
Peak concurrency of 5,000 calls in a single minute
42% lift in loan journey completions for one of India's largest lenders
2x faster time-to-first-byte than all competing providers tested
PRODUCTS
Text To Speech
RESULTS
20M+ outbound calls per month
Peak concurrency of 5,000 calls in a single minute
42% lift in loan journey completions for one of India's largest lenders
2x faster time-to-first-byte than all competing providers tested
PRODUCTS
Text To Speech
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