3×
Applications Abandoned at KYC
Everything typed up to the ID step, then the tab closed. Nobody asks why.
For Fintech and Banking Onboarding Teams
The Persuasion ModelBuilt for Account Opening.
It finishes applications, brings applicants back to verification and gets accounts funded over WhatsApp, iMessage and SMS. It answers the objection, follows up for weeks, and activates the account in your name.
Trained on over 3.5M real sales conversations, including how each one ended.
In Good Company
The Status Quo
No Onboarding Team Can Chase Every Unfinished Application.
Verified Accounts Never Funded
Approved, card issued, balance zero. The first transfer needs a conversation nobody has time for.
Funded Once, Never Used
No card swipe, no direct deposit, no second transfer. It goes dormant.
The Model
The Brain That Finishes Applications.
Sellence's edge is sales psychology. The model reads the hesitation, the timing and the real objection. Then it answers like the best person on your onboarding team.
Now you can talk to every applicant, personally, and close.
Behind Every Reply to an Applicant
- 23
Buyer Types the Model Recognizes
The rational one comparing numbers. The worried one who needs reassurance. The busy one who wants the bottom line. Each gets its own technique.
- 420
Persuasion Moves
Empathy, authority, proof from reviews, objection handling, closing. The model picks the one that fits the moment.
- 3.5M+
Real Sales Conversations
Trained on all of them, including how each one ended: deal or no deal.
How It Works
One Model Beside Your Onboarding Team.
Co-pilot puts the best answer in front of every teammate. Autopilot runs the follow-up alone. You set the pace.
Your Onboarding Team, With the Best Answer Ready
The model drafts the reply to every applicant message. Your team approves or edits, and sends.
The Follow-Up Runs Itself
The model runs the thread end to end, for weeks. Fraud flags and complaints go to your team.
- iMessage
- SMS
- Phone
- Web chat
One thread carries across all of them.
Plugs Into Your Onboarding Stack.
No IT project. The model sits beside your core and your KYC provider.
Onboarding Events Open the Thread
Application started, KYC abandoned, approved, balance still zero. Your stack sends the event, the model opens the conversation.
Nothing on Your Roadmap
Your onboarding stack, Alloy or Plaid, your core, as examples. Our engineers connect them.
Your Core Stays the System of Record
Every thread, status and funded event writes back. You decide how much.
The Results
What We Measure with You.
Every pilot runs against a control group on your own applicant flow. Half get the model, half keep your current push and email.
KYC Pass Rate
Applications that reach verified.
Funded Rate
Verified accounts that make a first transfer.
Activation Rate
Funded accounts that get used: a card swipe, a direct deposit, a second transfer.
One completion event, agreed before launch, reported beside the control group.
Every Scenario
One Brain, Application to Activation.
Start with the step where most applicants leave. The same brain then learns the rest of the flow.
Application completion
Brings the applicant back to the exact screen they left.
Verification
Explains why the ID is needed, in your approved wording, then sends the secure link.
Funding
Approved and still empty? The model asks what is holding the first transfer.
The persuasion model
0 scenarios connected
Account activation
Gets the card used, the direct deposit switched, the second transfer made.
Account win-back
Reaches closed or idle accounts with a real reason to return.
New applicants
Replies within minutes of the application starting.
Start with application completion. Add the rest of the flow on the same brain.
Use Cases and Proof
Two Drop-Offs in One Onboarding Flow.
The application that stops at KYC, and the account that never funds. One brain runs both.
Stopped Before Submit
Left at the ID step. The model brings them back to that screen, politely.
The Trigger: A Day After the Drop-Off
The model opens in your name, with the step they left and a deep link back to it.
The Objection: “Why Do You Need My SSN?”
It explains how the ID and SSN are used, in your approved privacy wording, then sends the secure link.
The Patience
No answer? It comes back a few days later, in the applicant's local time. Never spam.
The Close
The application submits. Your KYC provider reviews as usual. Status written back to your core.
Approved, Balance Zero
Open and empty. The model opens the conversation and stays until the first transfer.
The Trigger: Approved, No Transfer
The model asks what is holding the first deposit, with the plan they chose in hand.
The Objection: “What Does This Do That My Bank Doesn't?”
It answers with features and fees from your approved wording, on their own use case.
The Close
Transfer link and confirmation, the funded event written back. Nobody on your team touched the thread.
Real conversation. Names and details changed for privacy.
Security and Privacy
Built for TCPA and UDAAP.
Your applicants' data stays with you. The model never makes a verification or credit decision. Every thread is documented.
SOC 2 Type IIAudited security controls
GDPRProcessor DPA with EU standard clauses
TCPAConsent stays yours- Full EncryptionIn transit and at rest
Full details, controls and the SOC 2 report: trust.sellence.com
Consent, Opt-Out and Quiet Hours
Only applicants with consent on file. STOP holds on every channel. Quiet hours run in the applicant's local time.
Inside UDAAP
Every fee and feature claim comes from wording your compliance team approved.
Outside Your Decisions
Verification, eligibility and credit stay with your KYC provider, your core and your sponsor bank. Never an outcome.
Audit Trail and Your Name
Every message, opt-out and consent status logged with a timestamp. The applicant only sees you.
Build or Buy
Build It on Your Roadmap, or Work with Us?
Every serious onboarding lead asks. Row by row.
| Question | What lands on you if you build | The persuasion model |
|---|---|---|
| How many applications get worked | Whoever your team reaches, in office hours. | Every unfinished application within minutes, 24/7. Follow-up for weeks. |
| Who gets the account funded | One push notification, one email, then silence. | Closes on its own, trained on 3.5M+ conversations. Handles “is my money safe”. |
| Your onboarding team | The system bypasses the team, or the team ignores it. | Team and model, one squad. Autopilot earned step by step. |
| Time to a measured result | A first version after a year, with no proof it funds. | Live in weeks, measured from day one. Control group built in. |
| So it never promises an approval | One wrong “you're approved”, and the project is buried. | No message leaves without passing your rules. Never a decision. |
| TCPA, UDAAP and security | Every script goes back to compliance and the sponsor bank. | SOC 2 Type II from day one. PII masked before the model. |
| Carrier registration and channels | Templates and every connection maintained by you. | WhatsApp, iMessage, SMS, phone and web chat, maintained by us. |
Common Questions
The Questions Onboarding Teams Ask Us.
Does it touch eligibility, KYC or approval decisions?
No. Those stay with your KYC provider, your core and your sponsor bank. The model answers questions and returns the applicant to your process.
What if the applicant stops at KYC?
It asks what they want to check first, explains how the ID is used, then sends the secure link.
How does it stay inside TCPA and UDAAP?
Recorded consent only, quiet hours honored. STOP ends the thread and writes back. Every fee claim is approved wording.
Where does applicant data live?
With you. Direct identifiers become tokens before anything reaches the reasoning model.
Does it work with our onboarding stack, our KYC provider and Salesforce?
Yes. It runs off the events your app already emits: application started, KYC abandoned, approved. Write-back is yours to configure.
How is the result measured?
With a control group on your own applicant flow, on the completion event agreed before launch. 2 months, then a 12-month term.
The Next Step
Choose Where to Start.
We Show You the Funded Account.
A 30-minute call. We walk your funnel, application to funded account, and pick the first scenario.
Consent stays yours. Opt-out on every message. Every thread logged.