Hyper enriches authorized data, links every source, and leaves unsupported details unknown.
Hyper keeps one source-linked customer profile stable while every shortlisted offer is tested. The offer changes; the customer context does not.
Identity
Household of two
Bogotá
Salaried
Housing goal
6–12 month horizon
Monthly budget
Long-term preference
Mobile-first
Morning activity
Mortgage fit
Payment question
Every simulated customer starts with at least three independent, source-linked signals.
Each eligible credit product is tested against the same demographic and behavioral context.
Repeated runs expose the likely choice, the reason behind it, and the strongest alternative.
Colsubsidio hyperpersonalized credit challenge
Bring together explicit preference, consent, recent activity, reachability, and the customer’s current context for every available channel.
Compare portal, SMS, email, WhatsApp, social, and voice by the likelihood the customer will notice, respond, and continue.
Select the highest-ranked channel, show why it beat the alternatives, and preserve every consent or reachability exclusion.
Personalized 1:1 offer conversation
Hyper enriches authorized customer data, creates an evidence-backed Customer Agentic Twin, collects one response to each exact offer, and gives a voice agent the resulting context for a personalized call.
Hyper starts with authorized customer data, then adds permitted public evidence and explicit affiliation data. Every added signal keeps its source and confidence, while missing information remains unknown.
No. Hyper provides an explainable recommendation and pre-orientation. Formal approval, rates, capacity checks, and disbursement stay with the credit process.
Hyper freezes one evidence-backed Person profile, pairs it with each exact customer-visible Offer Environment, and collects one response per product on the same 1–5 acceptance scale. The response ranks the offers, with profile fit used only to break ties.
The MVP can compare revolving, mortgage, education, debt-consolidation, women’s, complementary, and insurance or tax credit products.
Each supporting signal links to evidence and confidence. The result includes the ranking rationale and rejected alternatives, while making clear that it is a hypothesis for the real call—not proof of what an individual will choose.
Hyper can rank portal, SMS, email, WhatsApp, social, and voice using preference, activity, reachability, and context. The MVP executes voice calls only.
The agent receives the customer context, selected offer, likely motivations, and safety guardrails. It explains the offer transparently, adapts to the customer’s questions, and records the outcome.