The dispute doesn't know if it started with a call or an email. Your bank shouldn't need it to.
VoiceIQ takes the fraud report and freezes the card on the call. InboxIQ reads the receipts emailed in an hour later. AINOW ties both to the same case, applies policy, and resolves what it can — with the full history already there.
*All numbers quoted are expected results, not actuals.
One agent, working across the channels disputes actually arrive on
Each product does its own job well — the value for banks is that they never operate as three separate systems.
A dispute rarely stays on the channel it started on
A customer calls to report fraud, then emails receipts an hour later — and most systems treat those as two separate things.
Follow-up documentation doesn't link to the call
Receipts and correspondence sent after a fraud call often land in a general inbox, disconnected from the case already opened.
Fraud waves spike both channels at once
A card-network breach or skimming event floods call lines and inboxes simultaneously, right when speed matters most.
Reg E timelines vary by channel
The same dispute can move at a different pace depending on whether it's opened by phone or by email, risking compliance windows.
Examiners expect one clean record
Regulators expect a complete, auditable history of a case — not a call log in one system and an email thread in another.
Every touch, on every channel, one case
AINOW, VoiceIQ, and InboxIQ share one context, so a fraud report or dispute behaves like one continuous case no matter how it arrives.
Fraud reports by voice, instantly
VoiceIQ takes the report in conversation and freezes the card or account on the call — no hold time, no delay.
Document-aware email handling
InboxIQ reads receipts, statements, and ID documents attached to dispute correspondence and files them against the right case.
One case, every channel
Phone and email touches merge into a single case history — nothing is ever a duplicate or an orphaned thread.
Fraud-wave ready
A spike across both channels at once, during a breach or skimming event, is handled at the same speed as any other day.
Consistent Reg E application
The same dispute timelines and policy rules apply whether the case opened by phone or by email.
One audit trail
Every call transcript and email is logged against the case, ready for examiner or internal review.
Results banks see through their first fraud event
Figures from banks running AINOW, VoiceIQ, and InboxIQ together across phone and email dispute intake.
*All numbers quoted are expected results, not actuals.
From kickoff to full coverage before the next fraud event
The same rollout path runs whether your institution serves a regional footprint or a national one.
Connect core & channels
VoiceIQ and InboxIQ connect to your existing phone lines and dispute inbox; AINOW links to your core banking system.
Set dispute & fraud policy
Your team defines what can be resolved autonomously and what always routes to a case manager, matching Reg E timelines.
Pilot on live cases
The system runs alongside your team on real fraud calls and dispute emails, with every action reviewable.
Ready before the next event
Full coverage across phone and email, with dashboards open to fraud and disputes leadership at all times.
Built for cases that move between channels, because they always do
No case starts over
Whatever channel a customer reaches next, the case's full history is already there.
No rip-and-replace
Works with the phone lines, inbox, and core banking system you already run — nothing to migrate.
One record for examiners
Every voice and email interaction lives against the case itself, ready for audit without reconstruction.
Questions we hear most
How does AINOW handle a fraud report that comes in by phone?
VoiceIQ takes the report in natural conversation and freezes the card or account on the call, with no hold time, then hands the case to AINOW with a full transcript. Fraud intake runs 24/7 on any channel.
What happens to receipts a customer emails after the call?
InboxIQ reads receipts, statements and ID documents attached to dispute correspondence and files them against the right open case automatically. Banks running AINOW, VoiceIQ and InboxIQ together report 100% of dispute documents auto-linked, up from manual matching.
How does it keep Reg E timelines consistent across channels?
The same dispute timelines and policy rules apply whether a case opened by phone or by email. AINOW reads account history, policy and prior disputes, applies Reg E and internal rules, and takes action in your core banking system, cutting time to provisional credit by 64%.
What do examiners see?
One case record. Every call transcript and email is logged against the case itself, ready for examiner or internal review without reconstruction. AINOW works with the phone lines, inbox and core banking system you already run, with nothing to migrate.
Ready to see a dispute move across channels, live?
Schedule a working session with AINOW on your own fraud and dispute intake — no integration required for the demo.