The Vibrium Blog

Agentic AI, put to work.

Playbooks, benchmarks, and field notes on deploying compliant AI agents across BFSI, FMCG, and beyond.

3 articles

BFSI6 min read

Beating the Jan 1 Deadline: How Collections Ops Can Enforce the RBI's New Recovery Rules Without a Tech Queue

On January 1, 2027 the RBI's Loan Recovery Amendment Directions go live: an 8 AM–7 PM calling window and six-month audio retention on every recovery conversation. Most collections stacks enforce those rules on a release calendar. Here's how to move enforcement into Collections Ops instead.

Collections & RecoveryRBI ComplianceCompliance Operations
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FMCG6 min read

Enterprise AI for FMCG: 5 Ways an AI DSR Delivers ROI in Less Than 4 Weeks

FMCG's secondary distribution still runs on phone calls, paper order books, and memory, and that's where revenue quietly leaks. Here are five ways an autonomous AI DSR closes the gap, returning 8x on AI spend and going live in under four weeks.

Secondary DistributionSales AutomationAgentic AI
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BFSI4 min read

9/10 AI Collections Workflows Would Fail an RBI Audit. Would Yours Make the Top 10%?

Most collections operations quietly fail on compliance or on language — and never know until an audit. Here's the two-part test the top 10% pass, and how an AI agent for collections like Kai is built to clear it.

Collections & RecoveryRBI ComplianceAgentic AI
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