; Toneboard

Helping lenders
by using automated speech analytics

Understand the creditworthiness of your loan applicants with automatic phone call analysis


Your verbal interactions with loan applicants are a rich source of valuable data. Toneboard uses speech recognition and a world-class analytical capability to mine these interactions and extract valuable insights.

Improve returns

Phone calls contain hints on applicants' background, character and emotional state that help you get your credit scoring decisions right, thus improving lending returns. Toneboard uses speech analytics to identify these hints.

Serve the unbanked

Millions of people around the world have limited access to credit markets due to no credit history or official proof of income. Using speech data for assessing risk provides a way of serving these customers while earning good returns.

Segment customers

Toneboard provides the data you need to conduct highly targeted marketing or debt collection campaigns. Limit your marketing spend to customers likely to convert and limit debt collection to borrowers unlikely to repay.

About us

At Toneboard we want to solve the problem of financial inclusion. More than 2 billion people worldwide have limited access to formal financial services due to lack of reliable credit history or proof of income. Speech analytics will be a crucial step towards solving this problem.


Martins Vaivars, CEO

Ex-Head of Finance of Infogram, data visualisation startup. Worked as a consultant for L.E.K. in London. Oxford grad.

Vladimirs Murevics, CTO

PhD student in Applied Math at Oxford. Worked as a developer for HP Autonomy. Interested in data and machine learning.

Contact Us

  • martins@toneboard.com
  • Techhub Riga, Sporta iela 2, Riga, Latvia, LV-1013