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.
The problem
Most companies don't answer their customers digitally. Those that do have the next problem.
The problem sits in three layers, and most companies stand in all three at once.
Most don't answer digitally at all.
The customer has to call and wait on hold, or email and wait a day or two. It works, but every question costs you a person's time and the customer a day's wait.
Those who do answer digitally use old technology.
Customers already have ChatGPT in their pocket, and compare automatically. A button-bot that doesn't understand the question feels instantly dated, and the smallest difficulty still gets escalated to a person. The cost stays.
And even new technology only answers from what you've published yourselves.
That's where the material runs out, but customers' questions don't: what a payment default actually means, what debt collectors can do, how a credit check shows up two years later. A language model left to fill the gap on its own guesses, and that's a risk a regulated company can't take.
The solution
Billuminate answers in all three layers
- 1
Your customer's own matter
What they've shared, or your own systems.
- 2
Your content
Your products, terms and processes.
- 3
The world around you
Rules and context no single company publishes.
The third is where we're different: four in ten answers draw on 03, our verified knowledge layer (VKL) — knowledge no single company publishes, and that your own website could never have answered.
How it works
Collect
Your own sources and systems
Verify
A human checks every source
Organise
Structured by the right place
Answer
Replies with its source
Deliver
Chat, email, or voice — your channel
Gradual automation
Billuminate becomes more autonomous as the platform learns how you want to work with your customers.
- 01
Human in the loop
Billuminate structures and delivers the content, from both your own material and our verified knowledge layer. Every answer can be reviewed before it reaches the customer.
- 02
Growing trust
The AI learns how you want to communicate. The level of autonomy increases step by step, at the pace you feel comfortable with — never faster.
- 03
Full control, regardless of autonomy level
You own the content throughout the journey. Delivered in the channels you choose: chat, email, or voice.
Logged out, Billuminate answers general questions. Logged in, with access to customer data, answers get sharper — and the agent can resolve cases fully end-to-end, like waiving a fee. That's automated help, for real.
In practice
What an answer looks like when it combines your own sources with our verified knowledge layer.
Every answer has a source, and every answer can be traced. You know exactly what was delivered to a specific customer, and never have to guess after the fact, whether the source is a term you wrote yourselves or an article in our verified knowledge layer.
The industry today
- 44%
- of questions went completely unanswered, among the lenders that do have a chat
- ~1 in 5
- answers were wrong, per an industry index across 31 Swedish lenders
Billuminate
Meet customers on their own terms.
Around the clock, in the language the customer chooses — automated, but it should feel human.
- ~100
- Swedish companies the knowledge base already covers
- 40%
- 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
Quality as a number, not an impression
Every answer is scored by an independent judge model against a human-written answer key. The same measure runs on any chat, including the one you have today.
See the measures →Says it doesn't know, instead of guessing
92% of claims in an answer are carried by a source. When the ground isn't there, the agent says so and hands off, instead of guessing or making one up.
How we take responsibility →Industry segments
We start where questions are hardest, and cost the most to get wrong.
Consumer credit
Mortgages, credit cards, personal loans, savings — answers that have to hold when it matters most.
Debt collection
Reminders, enforcement, payment defaults — always factual, never threatening.
Credit information
Score, remarks, rights. Few companies raise more consumer questions.
Trust
Transparency isn't something we say. It's how we work.
robots.txt- followed per RFC 9309
EU- all data stored within the union
GDPR- data processing agreements and SCCs
48h / 7d- takedown for logo and content respectively
Control, scalability and insights
Digital communication the way it should work.
Your organization is likely already in our verified knowledge infrastructure. Ask Bill a question and find out, with sources. If you're ready to hear more, request a demo of the Billuminate platform.
