Billuminate
Customer communication that answers correctly, and can show why.
Billuminate is verified knowledge infrastructure for financial services. We build AI agents that answer from a verified knowledge layer, in your own channels, whether chat, email or voice.
Collect
Verify
Organise
Answer
Deliver
- ~100
- Swedish companies the knowledge base already covers
- 4 in 10
- answers draw on Billuminate's verified knowledge layer (VKL)
- 50
- languages, from the same verified source
- 92%
- of the claims in an answer are carried by a source we retrieved
The problem
Most companies do not answer their customers digitally. The ones that do have the next problem.
The problem sits in three layers, and most companies are in all three at once.
Most do not answer digitally at all.
The customer calls and waits in a queue, or emails and waits a day or two. It works, but every question costs you a person's time and the customer a day.
The ones that do answer digitally use old technology.
A button-bot that does not understand the question, and anything remotely hard is escalated to a person anyway. The customer notices immediately, and the cost stays where it was.
And even new technology answers only from what you have published yourself.
That is where the material runs out. Customer questions do not: what a payment remark actually does to you, what the enforcement authority can take, how a credit check shows up two years later. It is not on your site, because it is nobody's job to write it. A language model left to fill that gap guesses, and that is the risk a regulated company cannot take.
Billuminate delivers on all three. An agent that answers in your own channels, that understands the question rather than offering buttons, and a verified knowledge layer behind it that reaches further than your own site.
Reach
Your customers' questions do not care where your website ends.
- 01
Your customer's own case
Questions about your particular customer's situation, from a document they share or from your own systems.
- 02
Your content
Your products, your terms, your process. Structured so the answer is right about you specifically, not about the sector in general.
- 03
The world around it
Authorities, rules, how the financial system fits together. What the customer needs in order to make sense of your part, and what no single company publishes.
The first two are yours. The third is where we are different: four in ten answers draw on 03, knowledge about the world around you that no single company publishes, and that your own website could never have answered.
A verified knowledge layer (VKL)
Customer questions do not stop at the edge of your own site. That is why four in ten answers draw on VKL, the general financial knowledge no single company publishes. We write it, and an industry expert approves every article before it can be served.
See how the layer is built →Quality as a number, not an impression
Every answer is scored by an independent judge model against a reference a person wrote. The same measure can be run on any chat, including the one you have today, because it works from the question and the answer alone.
See the measures →It says so rather than guessing
The 92% above is the share of claims carried by a source. The rest are not guesses: where the basis is missing the agent says so and hands over. It does not fall back on the open internet, and it does not invent a rate to round out a sentence.
How we take responsibility →Segments
We start where the questions are hardest and getting them wrong costs the most.
Consumer credit
Mortgages, credit cards, personal loans, savings, and the life events, payment problems and fraud attempts that arrive with them. Answers that have to hold when it matters most.
Debt collection
Reminders, collection demands, enforcement, payment remarks. Every step in the process frightens people, and good practice demands answers that are factual, never threatening.
Credit bureaus
The records that decide what credit costs: scores, remarks, credit checks. Few companies generate more consumer questions, and answers about people's rights have to be exactly right.
Trust
Transparency is not something we say. It governs how we work.
robots.txt- honoured per RFC 9309
EU- all data held inside the union
GDPR- data processing agreements and SCCs
48h / 7d- takedown for logo and for content
Want to see how it answers about you?
Your company is probably already in the knowledge base. Ask it something and see what it answers today, with sources. For the full measurement we run your own question set and show the result as it came out, including the parts that did not hold.
