Introducing Agent Studio

An Agent Builder Designed for the Realities of Lending

Most lenders want to deploy AI voice. Few have a clear path to do it that fits their operations.

Not because the technology doesn't work. Because the cost, complexity, and regulatory risk are too high.

In practice, the constraints are the same: custom builds require engineering resources most lenders don't have, off-the-shelf solutions don't fit lending workflows, and compliance risk is difficult to validate before deployment.

Agent Studio was built to address these realities directly.

The Problem With AI in Lending Today

Large financial institutions can absorb long implementation cycles, custom engineering, and extended pilots. Most lenders cannot.

For many teams, AI adoption stalls due to three persistent barriers.

1. Custom Builds Require Engineering Resources Most Lenders Don't Have

Traditional AI deployments often require significant upfront investment: infrastructure, data preparation, model tuning, maintenance, and monitoring.

When ROI timelines stretch months or years, these costs can be challenging to justify. Custom implementations can also create vendor dependencies—configuration changes may require engineering support.

Lenders benefit from AI that deploys quickly, can be configured without engineering, and scales economically from day one.

2. Off-the-Shelf Solutions Don't Fit Lending Workflows

Most AI agent builders are built for general enterprise use, not regulated lending operations.

These platforms lack the pre-built workflows lenders actually need: collections outreach with FDCPA compliance, verification calls with identity confirmation protocols, welcome calls with autopay enrollment guidance, inbound servicing with negotiation parameters.

Building these workflows from scratch defeats the purpose of using a platform. Lenders need lending-specific agents ready to deploy, not blank canvases.

3. Compliance Risk Is Difficult to Validate Before Deployment

In lending, the primary consideration for AI adoption is regulatory compliance, not technical capability.

AI systems must demonstrate fair treatment, explain decisions, and satisfy audit requirements. Generic platforms that lack transparency or lending-specific compliance controls create challenges for compliance teams and increase regulatory exposure.

Without the ability to test agents against real borrower scenarios before deployment, compliance risk remains guesswork.

Why We Built Agent Studio

Agent Studio takes a different approach. It gives lending teams control without requiring months of custom development or deep technical resources.

Here's what changes:

• Teams configure agents themselves using pre-built lending workflows

• Compliance logic is visible and testable, not opaque

• Iterations happen independently, without engineering dependencies

Agent Studio is the only agent builder with lending workflows built out of the box.

What Agent Studio Does

Agent Studio is Salient's configuration environment for AI voice agents. It's designed for lenders who want the ability to configure AI agents themselves without introducing operational or compliance risk.

Pre-Built Lending Workflows

Agent Studio comes with the workflows lenders actually use:

Outbound Collections – Automate payment reminders with built-in call frequency limits, Mini-Miranda disclosures, and cease-and-desist handling.

Inbound – Handle account inquiries, process payments, and negotiate arrangements within your approved parameters.

Verification Calls – Confirm borrower identity and loan details with multi-step verification protocols.

Welcome Calls – Guide new borrowers through autopay enrollment and app registration.

Custom Workflows – Build tailored agents for disputes, total loss mitigation, or other use cases using drag-and-drop modules.

These aren't starting points you build from scratch. They're compliant workflows ready to configure and deploy.

Configure, Test, Deploy

With Agent Studio, teams can:

• Configure call flows, compliance rules, and agent behavior using drag-and-drop modules

• Test agents across hundreds of simulated borrower scenarios before deployment

• Deploy in days, not months

No custom engineering. No vendor dependency for configuration changes. No compliance guesswork.

Designed to Reduce Cost and Complexity

Agent Studio removes the traditional cost drivers of AI adoption:

• No bespoke model training per use case

• No custom workflow engineering

• No extended deployment cycles

By using pre-built workflows and configurable modules, lenders can prove value quickly, iterate safely, and scale AI across operations without enterprise-level overhead.

Built for Integration, Not Replacement

Agent Studio is designed to work alongside existing systems, not replace them.

Teams can integrate via:

• APIs for borrower data, eligibility, and call outcomes

• CSV uploads for non-real-time environments

• Native connections to common payment processors, including NowPay, ACI Speedpay, Stripe, and Payment Vision

This enables incremental adoption without disrupting core servicing infrastructure.

Compliance and Transparency by Design

Building AI is easy. Building AI that withstands audits is not.

Compliance is embedded into every agent built in Agent Studio. Requirements across FDCPA, TCPA, UDAAP, TILA, FCRA, and CFPB guidance are enforced as system-level controls, not checklists.

Agents are monitored in real time, with full audit trails and interaction-level documentation. The platform is SOC 2 Type II and PCI Level 1 certified, ensuring security and payment compliance from the start.

Compliance teams have visibility. Regulators have documentation. Operators have confidence.

Test Before Deployment, Every Time

Before launch, every agent is tested across hundreds of synthetic conversations that simulate real borrower scenarios and edge cases.

Agents must meet defined compliance and performance thresholds before deployment. This is built into the platform, not optional.

Teams don't need AI expertise to validate behavior. The testing infrastructure handles it.

Who Agent Studio Is For

Agent Studio is designed for lenders who need:

• Faster AI deployment without high upfront cost

• Pre-built lending workflows, not generic platforms

• Compliance and transparency you can validate

For teams that have evaluated AI voice agents but found the cost, complexity, or regulatory risk too high, Agent Studio removes those barriers.

The Bottom Line

AI in lending shouldn't be reserved for the largest institutions.

Agent Studio gives lenders the ability to configure, test, and deploy compliant AI voice agents without the cost, complexity, or risk that has historically slowed adoption.

The only agent builder with lending workflows ready to deploy.