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Creatiovs Callvu

Creatio is an AI CRM and workflow platform; its Bank.AI line gives banks and credit unions customer 360, onboarding, case management and AI agents for banking tasks. Callvu is the Completion and Compliance Layer: it runs the regulated process end to end, from the member's request on any channel through documents and decisions to the write-back to the core and the LOS, with every regulation and bank policy enforced on every step by a deterministic orchestrator. Creatio is the CRM; Callvu runs the regulated work behind it.

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At a glance

Runtime compliance enforcement

CreatioPartial.

CallvuYes.

Front-to-back-office handoff

CreatioPartial.

CallvuYes, end to end: prefill from the core, classify the work, chase and verify documents from members and third parties on a clock, route decisions to the Decision Desk and write back to the core and the LOS.

The fair version

What Creatio is built for.Sourced from their own pages.

Creatio describes itself as an AI CRM and workflow platform where people and AI agents work together ^[1]. Its banking line, Bank.AI, covers customer 360, onboarding, application intake, case management, servicing and dispute agents, document processing, and KYC and AML modules for banks and credit unions ^[3], and in September 2026 Creatio committed 300 million dollars to it through 2028 ^[2]. Case management routes cases to the right team with SLA tracking and coordinates front- and back-office tasks on one case ^[6]; the Application Intake Agent collects applications across channels and flags missing documents ^[7]; the Document Processing Agent reads documents and checks fields against core systems ^[8]. AI Studio builds AI agents with guardrail policies applied during each run, such as masking, approval holds and blocks, and an audit log ^[4]^[5]. Creatio runs in the cloud or self-hosted ^[10], and Avidia Bank went live in six months with an implementation partner, including API integrations with its commercial lending platform and core banking system ^[9].

When to choose which

Two different jobs.Pick the one you need.

When to choose Creatio

Choose Creatio when a bank or credit union wants a CRM and case platform for sales, service and onboarding ^[3], configured by business users, with AI agents for banking tasks from the same vendor ^[4].

When to choose Callvu

Choose Callvu when the regulated process must run end to end into the core and the LOS, not only the CRM. Callvu orchestrates the work, routes it by work type, skill and due date, applies rules and policies and manages every decision, with five moves: it prefills from the core, classifies each request the moment it lands, chases and verifies documents from members and third parties on a clock, routes decisions to the Decision Desk, and writes the result back to the core and the LOS by API.

Guardrails are not runtime enforcement. Creatio applies guardrail policies to its AI agents while they run ^[5], and its workflow agents that mix fixed logic with AI steps are marked coming soon ^[4]. Even with guardrails, an AI that runs a step can write wrong data to the system of record, take a path that is not in the workflow, or act compliantly most of the time rather than every time. Callvu does not let AI run the process. A deterministic orchestrator executes every step of a defined workflow and enforces every regulation and bank policy before the step runs; AI only starts a process or evaluates it. Every run is recorded in a Decision Trace and an Audit Trace.

Choose Callvu, too, when time and services cost matter. Avidia Bank's Creatio program took six months from kickoff to go-live with a partner ^[9]. Callvu's license includes white-glove design, implementation, maintenance and optimization for as long as it runs, with no separate services project, and Callvu goes live in a few weeks: PSEG Long Island went live in 4 weeks, and Phoenix Insurance integrated all core systems in 4 weeks.

Side by side

The verifiable facts.Nothing else.

Every cell about Creatio is sourced from its own public pages. Runtime enforcement and the handoff lead the table because they are where the two differ most.

Capability		Creatio
Primary role	Completion and Compliance Layer between every front door and the system of record	AI CRM and workflow platform, with Bank.AI for banks and credit unions ^[1]
Runtime compliance enforcement	Yes. A deterministic orchestrator runs every step; AI never runs the process. Every regulation and bank policy is enforced on every step while the work runs, whether a person or an AI started it; a step that fails a control does not run. A Decision Trace and an Audit Trace for every run	Partial. AI Studio applies guardrail policies to AI agents during their runs, such as masking, approval holds and blocks, and workflow rules are configured per process; the AI agents still decide how to handle each request, and no policy layer enforces every regulation on every step ^[5]
Front-to-back-office handoff	Yes, end to end: prefill from the core, classify the work, chase and verify documents from members and third parties on a clock, route decisions to the Decision Desk and write back to the core and the LOS	Partial. Case management coordinates front- and back-office tasks on one case, and the Document Processing Agent checks fields against core systems; core and lending-platform integrations are built in each implementation. Not documented: write-back of the completed work to the core and the LOS with every policy enforced before the step runs ^[6]
Orchestration, routing, rules and decisioning	Yes: workflow orchestration, routing by work type, skill and due date, rules and policies, and human decisions in the Decision Desk	Yes: case routing with SLA tracking and guided workflows ^[6]
AI guardrails vs deterministic execution	Deterministic execution, not guardrails: AI never runs the process. A deterministic orchestrator executes every step and enforces every control before it runs, so nothing unchecked reaches the system of record and no step outside the workflow can happen	AI Studio agents run under guardrail policies applied during each run, such as masking, approval holds and blocks, with an audit log ^[5]
Documents	Requests each missing item from the right party on a clock, reads it on arrival and checks it against what the case needs	Document Processing Agent reads documents and checks fields against core systems; intake flags missing documents ^[8]
Deployment and professional services	White-glove design, implementation, maintenance and optimization included in the license, for as long as it runs; no separate services project. Live in a few weeks: PSEG Long Island went live in 4 weeks, and Phoenix Insurance integrated all core systems in 4 weeks	Cloud or self-hosted; delivered with partners, for example six months from kickoff to go-live at Avidia Bank with Technology Advisors ^[9]

Using both together

Keep what works.Add the layer that finishes it.

Creatio can stay the CRM and case system. A Creatio case, an onboarding request or an AI agent handoff starts a Callvu process; Callvu chases and verifies documents, sends decisions to the Decision Desk, writes back to the core and the LOS and returns the result and the Audit Trace to Creatio by API. Callvu can also run the whole process on its own.

Proof

Live in production.At regulated enterprises.

Community Bank of Mississippi

Live; back-office processes across loan ops, credit admin, deposit ops, treasury, IT, information security and HR
~58 processes projected in the bank-wide program

Banca Transilvania

73% of inbound call traffic migrated to digital self-service
3M+ support calls moved to digital self-service
100+ workflows automated
Loan decisions 4 days faster

Callvu helped us migrate 73% of our inbound call traffic to digital self-service. They transformed our customer experience in ways we didn't think were possible. That's no easy task when you're dealing with everything that arises in consumer banking.Anca Radu, Digital Project Manager, Banca Transilvania

Cache Valley Bank

Runs its Fedwire wire transfers on Callvu, live

Bank Leumi

Leumi Paperless Branch, personal and business loans

Loan decisions 1 week+ faster (manual approval steps automated in Callvu workflows)
77% reduction in data errors
94% average successful customer completion rate
All loan application and servicing workflows digitized within six months
$3M+ savings on transcription and paper storage
91% reduction in digital experience development timelines

FAQ

The questions buyers ask.Answered plainly.

Does Creatio enforce compliance at runtime?

Creatio's AI Studio applies guardrail policies to AI agents while they run, such as masking personal data, holding for approval or blocking an action, and records each decision. Those are guardrails on AI. Creatio does not offer a policy layer that enforces every regulation and bank policy on every step of the whole process, through to the core and the LOS. Callvu does, with a deterministic orchestrator, and AI never runs the process.

Does Callvu replace our CRM?

No. Creatio can stay the CRM and case system. Callvu runs the regulated process behind it, through documents, decisions and write-back to the core and the LOS.

Can Creatio and Callvu work together?

Yes. A Creatio case, an onboarding request or an AI agent handoff can start a Callvu process; Callvu runs it to completion and returns the result and the Audit Trace by API.

How fast can a bank or credit union go live with Callvu?

In a few weeks. Callvu builds every process for you, with white-glove implementation included in the license.

Which banks use Callvu?

Community Bank of Mississippi, Cache Valley Bank, Banca Transilvania and Bank Leumi are among the banks running processes on Callvu.

Sources

Every claim,sourced.

Last verified: 2026-11-05. Facts about other vendors come from their public pages, filings and press, as of that date. Vendor names are trademarks of their owners. To report an error, contact Callvu.

See it on your process.

Bring one regulated process. We will show you the handoff and runtime enforcement on it.

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