--- title: "AI that is accountable: AIE agents for regulated entities | Abbiamo.ai" description: AI agents (AIE) for regulated entities —banking, finance, insurance, health, energy, mining, telco and government— and the BPOs that serve them. image: https://abbiamo.ai/hubfs/Abbiamo.ai/og/home-en.jpeg --- [Skip to content](https://abbiamo.ai/en#contenido) ![Abbie, AIE agent by Abbiamo.ai](https://abbiamo.ai/hubfs/Abbiamo.ai/brand/personajes/abbie-retrato.webp) [![Abbiamo.ai](https://abbiamo.ai/hs-fs/hubfs/Abbiamo.ai/brand/logo-dark/abbiamo-ai-logo-dark-480.webp?width=224&height=36&name=abbiamo-ai-logo-dark-480.webp)](https://abbiamo.ai/) Menu [Home](https://abbiamo.ai/en) [Abbie](https://abbiamo.ai/en/abbie) [Caddie](https://abbiamo.ai/en/caddie) [Abbi Studio](https://abbiamo.ai/en/abbi-studio) [Abbi PitWall](https://abbiamo.ai/en/abbi-pitwall) [Services](https://abbiamo.ai/en/services) [Solutions](https://abbiamo.ai/en/solutions) [Industries](https://abbiamo.ai/en/industries) [Contact](https://abbiamo.ai/en/contact) [ESEspañol](https://abbiamo.ai/en)[ENEnglish](https://abbiamo.ai/en)[ITItaliano](https://abbiamo.ai/it)[PTPortuguês](https://abbiamo.ai/pt) EN Idioma · Language · Lingua - [ESEspañol](https://abbiamo.ai/en) - [ENEnglish](https://abbiamo.ai/en) - [ITItaliano](https://abbiamo.ai/it) - [PTPortuguês](https://abbiamo.ai/pt) Enterprise AI agents # AI that is accountable. AI agents (AIE) for regulated entities —banking, finance, insurance, health, energy, mining, telco and government— and the BPOs that serve them. Abbie · speaking Hi, I'm Abbie, an enterprise AI agent from Abbiamo.ai: an AIE agent, a Cognitive Autonomous Intelligent Entity (AIE).▍ [Why Abbie doesn't make things up →](https://abbiamo.ai/en#no-inventa) [Let's talk about your operations](https://abbiamo.ai/en/contact) Built following ISO/IEC 42001 · EU AI Act as a reference · NIST AI Risk Management Framework · PCI DSS · HIPAA · Each country's data protection law 01Why we exist ## We believe AI that works with people's money, health and data must be accountable. Just like the people it helps. And we believe technology is measured by how it treats people: that's why we take away tasks, not people. From that conviction come six ways of doing things differently, each with its proof. - How 1 ### It doesn't make things up The model writes; the rules decide. A price, a balance or a deadline only comes from your sources; if there is no support, it says so and escalates. Proof: the answer hierarchy and the source logged for every answer in the Evaluation console. [Why Abbie doesn't make things up →](https://abbiamo.ai/en#no-inventa) - How 2 ### Built for those who are held accountable From the ground up, following ISO/IEC 42001, the EU AI Act as a reference, the NIST AI Risk Management Framework, PCI DSS, HIPAA and each country's data protection law. Proof: an ISO/IEC 42001 evidence folder for due diligence. [Regulation and compliance (in Spanish) →](https://abbiamo.ai/en/solutions/compliance) - How 3 ### Not a system; it works with yours The AIE agent checks and records in your systems; it doesn't replace them. If the system is missing, we solve it with method: a world-class application or a microapp. Proof: integration with connected systems and Abbi Actions with a contract sheet. [Services (in Spanish) →](https://abbiamo.ai/en/services) - How 4 ### Bounded, traceable mandate Abbi Actions are published only by Abbiamo.ai; the client can restrict them, never expand them. Every step is logged and auditable. Proof: a central Actions console and an audit log. [Security (in Spanish) →](https://abbiamo.ai/en/solutions/security) - How 5 ### Your data, where your case requires Four sovereignty levels, up to 100% on your premises, with full isolation per client. Proof: a dedicated tenant in production and an on-premises architecture. [Data sovereignty (in Spanish) →](https://abbiamo.ai/en/solutions/data-sovereignty) - How 6 ### We take away tasks, not people Abbie takes the repetitive work; Caddie guides the human agent, who decides. It always identifies as AI and, if it can't resolve the case, follows the route you configured (a person, a ticket or a callback). Proof: a transition program offered with every implementation. [Our principles (in Spanish) →](https://abbiamo.ai/en/about-us#principios) 02Why Abbie doesn't make things up ## The model writes. The rules decide. When a language model doesn't know something, it fills the gap with something that sounds right. In a bank or a hospital that isn't a matter of style: it's a compliance failure. That's why Abbie checks the sources you authorize in a fixed order, and a price, a balance or a deadline only comes from your sources, never from the internet or the model's memory. Every answer is logged with the source that supported it. 1. Step 1 ### Your data, live What your systems say right now. 2. Step 2 ### Your approved documents Manuals, policies and rates your company authorized, with an expiry date. 3. Step 3 ### Official sources you authorize For example, a regulator's publication. 4. Step 4 ### Verified public sources For general information only, never for critical data. 5. Step 5 ### The route you configure A person, a ticket or a callback, or no answer. [See how it works (in Spanish) →](https://abbiamo.ai/en/technology#no-inventa) Simplified version of the seven-level answer hierarchy in Abbi Studio. 03Compliance by design ## Built for organizations that are held accountable. At Abbiamo.ai we build artificial intelligence agents that converse, decide the next step and act: AIE agents (Autonomous Intelligent Entities). We build them for organizations that are held accountable: banking, insurance, health, telecommunications, energy, mining, government and BPOs. We don't adapt to regulation afterwards; we build from it, following ISO/IEC 42001, the NIST AI Risk Management Framework, the EU AI Act as a reference, PCI DSS for payments, HIPAA for health and each country's data protection law. Each client's data and knowledge live isolated in their own environment. - Test 1 ### Bounded mandate Abbi Actions are published only by Abbiamo.ai; the client can restrict them, never expand them. - Test 2 ### Supported answers Abbie answers only with what she can support, in a source order the client sets; when there is no support, she says so. [Why Abbie doesn't make things up →](https://abbiamo.ai/en#no-inventa) - Test 3 ### Full traceability Every decision and every answer is logged with its source and is auditable. - Test 4 ### Always identifies as AI Abbie always introduces herself as artificial intelligence and never poses as a human. - Test 5 ### Shared, explicit responsibility We make clear what Abbiamo.ai protects and what the client controls: call recording, telephony and infrastructure. [See the standards we follow (in Spanish) →](https://abbiamo.ai/en/solutions/compliance) We follow these standards in building our products and services. When a client requests it, we make the corresponding documentation available. 04An AIE agent is not a system ## Abbie doesn't replace your systems. She uses them. An AIE agent works the way a person works in their role: she checks your systems, records what is required and answers only with what she can support. She doesn't invent data or improvise processes. - System ### Systems of record (ERP, CRM, core) They store the data and apply the business rules. The business truth lives here. - App ### Web app or microapp Turns an already defined flow into screens and rules. The truth lives in the system behind it. - Business definition ### Process or flow Says what is done, in what order and with which indicators. It lives in your organization. - Governed AI agent ### AIE agent (Abbie or Caddie) Converses, understands, checks and acts within its mandate. Abbie executes; Caddie prepares and the human agent decides. It owns neither data nor rules. —If the system is missing ## If the system exists, Abbie uses it. If it doesn't, we design it with you. What an AIE agent is not: not a system of record (it checks the business truth, it doesn't store it); not an app, and it doesn't replace your ERP or CRM; not a process, and it doesn't define, guess or invent one; it doesn't create data: if there is no support, it says so and offers you the next step. 1. Step 1 ### We understand the need What has to happen and who needs it. 2. Step 2 ### We define flows and indicators In what order it is done and how it is measured. 3. Step 3 ### We choose the tool A world-class application or a custom microapp. 4. Step 4 ### We connect it with Abbi Actions So Abbie and Caddie can work with it. 05Portfolio ## Seven offers, one standard. Four products and three services so human agents, AIE agents and systems work together. Abbie and Caddie run on AbbiAI, the engine that orchestrates models, knowledge and tools, and are governed in Abbi Studio, the main platform, where Abbi Actions, Abbi Tasks and Abbi Flow live. ### Products AProduct ### Abbie An autonomous AIE agent that talks with your customers and takes actions in your systems, within her mandate. [Meet Abbie →](https://abbiamo.ai/en/abbie) ![](https://abbiamo.ai/hs-fs/hubfs/Abbiamo.ai/brand/personajes/abbie-retrato.webp?width=28&height=28&name=abbie-retrato.webp) Abbie executes Talks with the customer BProduct ### Caddie An AIE agent that guides the human agent, runs quality control and blocks progress when a mandatory condition is missing. [Meet Caddie →](https://abbiamo.ai/en/caddie) ![](https://abbiamo.ai/hs-fs/hubfs/Abbiamo.ai/brand/personajes/caddie-retrato.webp?width=28&height=28&name=caddie-retrato.webp) Caddie guides · you decide Gathers the context CProduct ### Abbi Studio Design the agent: prompt, context and rules. For Abbie, for your platform or for your human team. [Discover Abbi Studio →](https://abbiamo.ai/en/abbi-studio) Abbi Actions · Abbi Tasks · Abbi Flow Abbi Actions DProduct ### Abbi PitWall Verifies, diagnoses and improves your agents in live operation. [Discover Abbi PitWall →](https://abbiamo.ai/en/abbi-pitwall) Verifier Listen ### Services EService ### Custom microapp development Focused applications that bring consistency to specific processes. Scope, timeline and cost are defined per project. [Let's talk about your process →](https://abbiamo.ai/en/services) Service Identifies the process FService ### Process consulting Designing how human agents, AIE agents and systems work together. It always ends in an implementation-ready design. [Let's design the process →](https://abbiamo.ai/en/services) Service Process diagnosis GService ### Solution implementation Configuration, integration, testing and go-live, based on a diagnosis. [Let's plan the implementation →](https://abbiamo.ai/en/services) Service Configuration ![Abbie, full-length portrait](https://abbiamo.ai/hubfs/Abbiamo.ai/brand/personajes/abbie-cuerpo-entero.webp) Abbie · On duty AIE agent 06Processes in progress ## Every process, in progress and traceable. 01 Intake02 Analysis03 Validation04 Resolution CASE-0412 Collections · promise to pay CASE-0413 Support · ticket CASE-0414 Appointment scheduling CASE-0415 Customer onboarding CASE-0416 Customer service CASE-0417 Escalation to a person Abbie's log Illustrative examples, not existing deployments. ![Abbie](https://abbiamo.ai/hs-fs/hubfs/Abbiamo.ai/brand/personajes/abbie-retrato.webp?width=64&height=64&name=abbie-retrato.webp) AbbieAIE agent ## Autonomous within her mandate. Transparent in her results. Listens Reasons Acts Receives the customer's request in their channel, in natural language. Abbie · speaking What I promise in the conversation is recorded in the system.▍ 07Solutions ## Complete processes, start to finish. Abbie resolves processes end to end; Caddie supports your team in the ones that need a person. - Process ### Collections Reminders, promises to pay and payment plans, handled firmly and respectfully. [See collections →](https://abbiamo.ai/en/solutions#cobranza) - Process ### Support and customer service Tickets, follow-up and answers from current sources. [See support →](https://abbiamo.ai/en/solutions#soporte) - Process ### Scheduling and onboarding Appointments against the real calendar and sign-ups with verified requirements. [See scheduling →](https://abbiamo.ai/en/solutions#agendamiento) - Process ### Quality, supervision and training Evidence-based evaluations and feedback at the close of each interaction. [See quality →](https://abbiamo.ai/en/solutions#calidad) 08Industries ## For the most demanding sectors. Each industry has its own page (in Spanish): what the sector demands, its use cases, the standards we follow and which offer fits. - Industry ### Banking and financial services Collections, payment plans and disputes. [See cases →](https://abbiamo.ai/en/industries/banking) - Industry ### Insurance Policies, claims and formal complaints. [See cases →](https://abbiamo.ai/en/industries/insurance) - Industry ### Health Appointments and sensitive data under control. [See cases →](https://abbiamo.ai/en/industries/healthcare) - Industry ### Telecommunications Support, collections and new services. [See cases →](https://abbiamo.ai/en/industries/telecommunications) - Industry ### Energy and utilities Bills, payment plans and outage reports. [See cases →](https://abbiamo.ai/en/industries/energy) - Industry ### Mining Communities, work permits and contractors. [See cases →](https://abbiamo.ai/en/industries/mining) - Industry ### Government Procedures, appointments and case numbers. [See cases →](https://abbiamo.ai/en/industries/government) - Industry ### BPOs and contact centers Quality and after-hours capacity. [See cases →](https://abbiamo.ai/en/industries/bpo) 09How to start ## One complete flow before scaling. Before enabling every process and channel, prove one operation end to end and measure its result. 1. Step ### Process diagnosis Which systems exist, which data are authorized sources and where the AIE agent decides. [Process consulting →](https://abbiamo.ai/en/services/process-consulting) 2. Step ### Caddie guides, the human agent decides The action is recorded in the system and the Abbi Studio Evaluation console measures the result. 3. Step ### Abbie executes with confirmation The same action, now executed by Abbie after a confirmation. 4. Step ### More autonomy, if the data justify it Autonomy grows action by action, never beyond what the level above allows. 10Data sovereignty ## Your data, where your case requires. Sovereignty means control: who has access, where data reside, how long they are kept and who audits. - Level 1 ### AI provider's cloud Maximum capability and lowest cost; for non-sensitive data only. - Level 2 ### Dedicated cloud with residency Isolated infrastructure in the region or country the client requires. - Level 3 ### Client's private cloud Everything inside the client's perimeter. Nothing goes to third parties. - Level 4 ### 100% on premises When the technology allows it, the cost supports it and someone operates it. [See data sovereignty (in Spanish) →](https://abbiamo.ai/en/solutions/data-sovereignty) Architecture options subject to technical and contractual assessment in each case. 11Our principles ## We take away tasks, not people. We believe technology is measured by how it treats people. That's why we design following the ethical references of our time: the UNESCO Recommendation on the Ethics of AI, the OECD AI Principles and the encyclical Magnifica humanitas, which asks that all AI be able to account for its decisions and free people from repetitive work without taking away their place. - Principle ### Dignifying work AIE agents take on the repetitive work; people, what only they can bring. - Principle ### You always know it's AI Whoever is on the other side of the conversation always knows they are talking with an AI. - Principle ### The route you configure If it can't resolve the case, it follows the route you configured (a person, a ticket or a callback), with the full context. [Our principles (in Spanish) →](https://abbiamo.ai/en/about-us#principios) 12Partners ## We reach every company through partners. Abbiamo.ai is sold 100% through partners. The partner designs, implements and operates with its client. Abbiamo.ai brings the AIE agents, Abbi Actions, the method and technical backing. - Channel ### Distributor Resells the portfolio in its territory or vertical. - Channel ### Corporate channel Integrator or consultancy that includes it in its projects. - Channel ### Telecommunications provider Offers it together with its connectivity and contact channels. - Channel ### BPO Sells it to its clients or uses it in the services it provides. [Become a partner →](https://abbiamo.ai/en/partners) 13FAQ ## Common questions before you start. - Question ### What is an AIE agent? A Cognitive Autonomous Intelligent Entity (AIE): an AI agent that converses, decides the next step and acts in your systems within a mandate you define. It is not a system or an app: it works with yours. - Question ### Does Abbie replace my team? No. We take away tasks, not people: Abbie handles the repetitive work so your team can focus on what needs judgment. And we propose a program to reassign or train your team, measuring the time freed up. - Question ### Where do my data live? At the sovereignty level your case requires, from the cloud to your own premises. - Question ### Who gives me a quote? The partner that serves your company. [See all questions (in Spanish) →](https://abbiamo.ai/en/faq) ![](https://abbiamo.ai/hs-fs/hubfs/Abbiamo.ai/brand/personajes/abbie-retrato.webp?width=88&height=88&name=abbie-retrato.webp) ## Put Abbie to work with your own rules. Tell us which process you want to improve. [Let's talk about your operations →](https://abbiamo.ai/en/contact) or write to us at [hello@abbiamo.ai](mailto:hello@abbiamo.ai) [![Abbiamo.ai](https://abbiamo.ai/hs-fs/hubfs/Abbiamo.ai/brand/logo/abbiamo-ai-logo-480.webp?width=150&height=24&name=abbiamo-ai-logo-480.webp)](https://abbiamo.ai/) Governed artificial intelligence, with judgment and under control. - - - - Company - [About us](https://abbiamo.ai/en/about-us) - [Blog](https://abbiamo.ai/blog) - [Pricing](https://abbiamo.ai/en/pricing) - [FAQ](https://abbiamo.ai/en/faq) - [Use cases](https://abbiamo.ai/en/use-cases) - [Contact](https://abbiamo.ai/en/contact) Legal - [Legal information](https://abbiamo.ai/en/legal) - [Privacy notice](https://abbiamo.ai/en/privacy-notice) - [Terms and conditions](https://abbiamo.ai/en/terms-and-conditions) - [Cookie policy](https://abbiamo.ai/en/cookie-policy) - [Responsible use of AI](https://abbiamo.ai/en/responsible-use-of-ai) - [Roles and responsibilities](https://abbiamo.ai/en/roles-and-responsibilities) - [Privacy by design](https://abbiamo.ai/en/privacy-by-design) Contact - Contact[hello@abbiamo.ai](mailto:hello@abbiamo.ai) - Partners[partner@abbiamo.ai](mailto:partner@abbiamo.ai) - Legal and privacy[legal@abbiamo.ai](mailto:legal@abbiamo.ai) - Information[info@abbiamo.ai](mailto:info@abbiamo.ai) - Billing[facturacion@abbiamo.ai](mailto:facturacion@abbiamo.ai) - Press and social media[social@abbiamo.ai](mailto:social@abbiamo.ai) OfficePH Financial Park, Piso 34, Oficina 3404, Costa del Este, Panamá © 2026 ABBIAMO TECNOLOGÍA, S.A. (Abbitec). Abbiamo.ai is a brand of ABBIAMO TECNOLOGÍA, S.A. All rights reserved. ```json { "@context" : "https://schema.org", "@id" : "https://abbiamo.ai/#organization", "@type" : "Organization", "description" : "Abbiamo.ai diseña agentes de IA empresarial —agentes EIA— que responden solo con lo que pueden respaldar y actúan en los sistemas de cada empresa dentro de un mandato que la empresa define, siguiendo ISO/IEC 42001.", "email" : "info@abbiamo.ai", "knowsAbout" : [ "agentes de IA empresarial", "IA gobernada", "gobernanza de la IA", "ISO/IEC 42001", "NIST AI RMF", "Ley de IA de la UE", "soberanía de datos", "cobranza con IA", "IA para contact center" ], "logo" : "https://52100143.fs1.hubspotusercontent-na1.net/hubfs/52100143/Abbiamo.ai/brand/logo/abbiamo-ai-logo-480.webp", "name" : "Abbiamo.ai", "parentOrganization" : { "@type" : "Organization", "name" : "Abbitec (Abbiamo Tecnología)" }, "sameAs" : [ "https://www.linkedin.com/company/abbiamoai", "https://www.youtube.com/@abbiamoai", "https://www.instagram.com/abbiamoai", "https://www.facebook.com/profile.php?id=61595290656253" ], "slogan" : "IA que rinde cuentas.", "url" : "https://abbiamo.ai/" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://abbiamo.ai/#website", "@type" : "WebSite", "inLanguage" : [ "es", "en", "it", "pt" ], "name" : "Abbiamo.ai", "publisher" : { "@id" : "https://abbiamo.ai/#organization" }, "url" : "https://abbiamo.ai/" } ``` ```json { "@context" : "https://schema.org", "@type" : "WebPage", "description" : "AI agents (AIE) for regulated entities —banking, finance, insurance, health, energy, mining, telco and government— and the BPOs that serve them.", "inLanguage" : "en", "isPartOf" : { "@id" : "https://abbiamo.ai/#website" }, "name" : "AI that is accountable: AIE agents for regulated entities", "publisher" : { "@id" : "https://abbiamo.ai/#organization" }, "url" : "https://abbiamo.ai/en" } ```