Bring AI-led car Refinancing into your business. Our vision combines AI-assisted application completion and Agent support through Voice, SMS and Chat—with human experts ready to support the moments that need them.
01 / 02AI-led. Human-supported. Two ways to partner.
MEET KASPER KOPILOTYour Refinance AI Agent
UNDERSTAND BEFORE YOU DECIDEConfidence through clarity.
LOOK BEYOND THE MONTHLY PAYMENTSee the full picture.
↗Built around your customerTHE JOURNEY
01 Get started→02 Compare→03 Progress
DESIGNED FOR
Comparison sites
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Brokers & lenders
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Affinity partners
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Introducer networks
01 / CHOOSE YOUR SOLUTION
Your panel or ours. The choice is yours.
New to refinance, or ready to give it more focus? Add AI-led customer assistance to your own offering, or build a complete proposition with CMF lender and broker panel access.
ATECHNOLOGY FOR YOUR BUSINESS
AI Refi-Engine
Your fulfilment. Our AI-led engine.
Bring AI-assisted application completion and agent support through Voice, SMS and Chat into your customer journey, with your own lender and broker relationships behind it.
Application APIs and AI-assisted completion
Agent support through Voice, SMS and Chat
Clear refinance comparisons
Handoff to your existing fulfilment
BUILT FOR
Partners with established fulfilment who want to strengthen their refinance experience.
We’re developing our enterprise offering. Modules, support channels, panel access and service responsibilities are agreed for each partnership.
OUR TARGET OPERATING MODEL
AI-led. Human-supported.
Make refinance a core part of your business, even if it is new to you or has been an afterthought. Our goal is to let AI handle the routine journey, giving people more time for customers who need their expertise.
90%
AI-led journey
Our ambition: AI-assisted application completion and agent support through Voice, SMS and Chat. Kasper Kopilot helps customers answer questions, understand their options and take the next step.
10%
Human expertise
Human experts ready for complex circumstances, exceptions and the moments customers need additional support. Human involvement follows customer needs, with no fixed limit.
90% AI / 10% human is our target operating model, not a measured performance result. The task scope and measurement approach will be agreed during pilots. Finance calculations follow defined rules; lending decisions remain with lenders.
THE COMPLETE ADVANTAGE
Lenders and brokers. A broader perspective.
Different circumstances call for different options. Our complete proposition combines lender access with broker-sourced products, helping customers explore refinancing that fits their circumstances.
AI agent support throughout the application journey, with human expertise and the appropriate lender or broker route agreed behind it.
Available routes depend on the customer, product and agreed panel access.
02 / THE CUSTOMER EXPERIENCE
An AI agent. A more informed customer.
Give refinancing a proper place in your business. Our vision brings together AI-assisted applications and Kasper’s support through Voice, SMS and Chat, helping customers understand their options with human experts ready when needed.
01
Less typing. A smarter start.
Kasper helps complete the application using information already available and permitted for use, asks for anything missing and guides customers through each step—ready for them to review and confirm.
02
Voice. SMS. Chat.
Agent support through the agreed channels gives customers room to ask questions and understand monthly payments, total cost, term changes, fees and balloon payments.
03
Expert help when it matters
Human experts support the moments that need judgement or extra care, with a handoff to your team or the agreed CMF panel route as customers progress.
A REFINANCE-SPECIFIC EXPERIENCE
There’s more to a deal than the monthly payment.
AI helps explain the comparison; the finance engine calculates the figures using defined rules. Customers can see why a lower monthly payment may still mean paying more overall.
Your refinance comparisonILLUSTRATION
Illustrative current agreement and refinance scenario
The full picture
Current
Refinance
Monthly payment
£320
£285
Remaining term
36 months
36 months
Total remaining cost
£11,520
£10,260
Balloon / additional fees
£0 / £0
£0 / £0
↘
£35 less a month. £1,260 less overall.
The same term, with lower total remaining cost in this illustration.
Sometimes, keeping the current agreement is the better outcome—and we’ll tell you when it is. Next year, we’ll be here to review your options again.
03 / BUILT TO FIT
Your experience. Your integration choice.
Bring the AI-led journey into your business through a branded experience, an embed or APIs. Agree Voice, SMS and Chat support and the handoff to human experts alongside your integration.
↗01 / HOSTED
A branded journey
A CMF-operated experience under your branding, with less frontend development for your team.
Your brand · Managed experience⊞02 / EMBEDDED
Within your website
Bring the refinance journey into your existing site, keeping the customer experience connected.
Your website · Connected journey{ }03 / API
Your own interface
Build the screens your customers need, with AI Refi-Engine providing the agreed application capabilities.
Your frontend · Our engine
A PARTNERSHIP THAT FITS
Make refinance part of your proposition.
01
Scope before scale
Agree the AI-assisted application tasks, Voice, SMS and Chat channels, and human expertise that serve your customers.
02
Commercials around your use
Platform and usage terms for the engine. Agreed service and outcome economics for the complete solution.
03
A considered integration
Review data handling, integration requirements, operational support and rollout together.
LET’S BUILD YOUR REFINANCE PROPOSITION
A better journey starts with a conversation.
Tell us where you want refinancing to fit. We’ll explore AI-assisted applications, agent support through Voice, SMS and Chat, human expertise and the right panel and integration options for you.
