Recursive learning loops · the Weekly Learning Cycle

Every call makes the next one better.

Graded, curated, fine-tuned, tested, approved, measured. Every week, on your own calls.

7 stages · one loop100% of calls graded1,240 golden scenarios illustrative1-click rollback
RBI · IRDAI · DPDP mapped

Most voice bots are as good on day 300 as on day 1.
"It learns" is not a mechanism. This is.

Seven stages, one loop

A named pipeline, not a promise.

One week of learning, hung as seven works. Walk the wall.

01 · Listen

The city calls

Recordings, transcripts, outcomes, human takeovers and compliance flags stream in as signals — 100% of calls, not a sample.

48,210 signals · 7 days illustrative
02 · Grade

One hundred calls, graded

Grounding, flow, compliance, tone. Failures are clustered: "repeated the EMI amount", "missed already-paid", "asked branch-or-link twice".

100% graded · 14 clusters illustrative
03 · Curate

Redaction, then selection

Aadhaar, PAN, card and phone numbers masked in text and audio. Your best agents' calls and the corrected failures become the training set — approved by your reviewer.

PII 100% · 3,120 examples illustrative
tenant weights · collections-hi · v42
04 · Fine-tune

Your weights

Speech and language models fine-tuned per tenant. No shared brain. The weights are yours, stored in your environment for VPC and on-prem.

candidate v42 · your tenant illustrative
05 · Simulate

Twelve hundred and forty scenarios

The candidate replays the golden set — barge-in, angry customer, already-paid, wrong number — with Hindi/English parity and frozen-line checks. Any drop blocks release.

1,240 scenarios · 0 red illustrative
06 · Release

A human signs

Named approval from your QA or compliance owner, staged rollout 5% → 25% → 100%, automatic rollback on a guardrail breach.

5% → 25% → 100% · 1-click back illustrative
v36v37v38v39v40v41v42v41 rolled back · 41 min
07 · Measure

Six weeks, the dip left in

Containment, promise-to-pay, right-party contact, complaints and cost per resolved call — tracked per release, reported every morning. Then the next week begins.

PTP +8.5 pts over 6 weeks illustrative
↻

Next week's calls feed the next cycle.
Client memory carries over: scripts, glossary, frozen lines, escalation matrix.

Room 1 of 7walk the wall →
Compliance lines never learnHumans approve every releaseRegression before releaseOne-click rollback

Illustrative week for one collections cohort. replace with a live agent's counters

Recursive loops · turn → call → week → portfolio
PORTFOLIO · QUARTERLYWEEK · WEEKLYCALL · PER CALLTURN · PER TURNevery loop feedsthe one outside it
TurnGrounding · policy · persona checks before a word is spoken
CallEvery call graded by the evaluation model; failures clustered
WeekGraded calls → fine-tune → simulate → human sign-off → release
PortfolioLessons shared across journeys and languages under one policy
Loops inside loops

Recursive, not just repeated.

The per-turn check produces the call grade. Call grades produce the week's training set. The week's release produces the portfolio's lessons. And the evaluation model that grades all of it is retrained on your reviewers' corrections — the loop that grades the loop.

What actually learns

Your model. Your data. Nothing shared.

We fine-tune speech and language models on your graded, redacted calls. The improvement lives in weights you own.

tenant model · learning policy · v42
$ formant policy --tenant collections-hi --show
01 signals_inrecordings · QA grades on 100% of calls · outcomes · human corrections
02 redactAadhaar · PAN · card · phone masked in text and audio · complaints excluded
03 fine_tuneper tenant · your environment · no cross-client training, not even anonymised
04 provegolden set · barge-in · Hindi/English parity · frozen-line check
✓ frozen lines verified · 5 strings · hash match
enforced · learning policy v42
Frozen vs. learns
🔒 Frozen · never learnsversion-hashed, verified on every release
  • "Yeh call record ho rahi hai." — recording disclosure
  • "Main AI assistant hoon." — AI disclosure
  • Grievance redressal line and helpline number
  • RBI Fair Practices Code calling-hour and tone rules
  • IRDAI product-claim restrictions
Learns · under approval
  • Objection handling and phrasing per language
  • Intent recognition (new customer phrasings)
  • Number, date and amount pronunciation
  • Handle-time and turn-taking behaviour
Same call, one week later

v41 missed it. v42 learned it.

"Already paid" — flagged 212 times in a week. The next release looks up the UTR and closes the call.

replay · hi-IN · collections · v41 → v42
v41before
recv41 · replay · hi-INQA 6200:09
customer
engine
agent
  1. 00:00Maine kal UPI se pay kar diya tha.मैंने कल UPI से pay कर दिया था।
  2. 00:04Aapki 5 tareekh ki EMI ₹4,850 abhi tak pending hai. Kya aap aaj payment kar payenge?repeats the amount · misses "already paid"
v42after · learned from 212 corrected calls
recv42 · replay · hi-INQA 9400:11
customer
engine
agent
  1. 00:00Maine kal UPI se pay kar diya tha.मैंने कल UPI से pay कर दिया था।
  2. 00:04Theek hai, dhanyavaad! Main abhi check kar rahi hoon… UTR mil gaya, payment 15 September ko receive hua hai. Aapko aage koi call nahi aayegi.stage: already_paid → utr_lookup → close ✓
Compounding, measured

Rising week over week, with the dip left in.

When v41 breached a live guardrail, canary caught it. We show that, because unseen failure cannot be trusted.

cohort · early bucket · releases v36 → v42
0%25%50%75%100% v36v37v38v39v40v41v42 rolled back · 41 min containment 71% PTP 26.5%
Containment (calls resolved without a human)Promise-to-pay rate (right-party contacts)Rollback event

Illustrative shape of six weeks of weekly learning cycles on one early-bucket cohort; every release marked, the dip kept in. Pilot data replaces this. replace with cohort data + methodology note

Rollback
41 min
canary breach → previous version back illustrative
Regression
1,240
golden scenarios before every release illustrative
Governed release

Every version has a name, an approver and a way back.

versions · collections-hi · v38 → v42
v38
17 Aug
baseline · approved
v39
24 Aug
objection handling
v40
31 Aug
Marathi legal-threat transfer
v41
7 Sep
rolled back 41 min · fixed · re-released
v42
14 Sep
already-paid · live
every node: approver · regression score · one-click rollback
release log · agent collections-hi
$ formant releases --agent collections-hi --last 3
v42 14 Sepalready-paid via UPI (212 corrected calls) · no EMI repeat · "19 tareekh" dates
frozen RBI disclosure · consent · grievance · approved client QA lead + FDE
regression 1,240 / 1,240 · ● live · canary → 100%
v41 7 Sep"branch ya link?" asked once · 9 new salary-delay phrasings
regression 1,198 / 1,198 · ▲ canary breached tone guardrail → auto-rollback 41 min → fixed → re-released
v40 31 AugMarathi legal-threat warm transfer · shorter greeting (−4 s AHT)
regression 1,150 / 1,150 · ✓ approved client compliance + FDE
rollback one click · previous version warm

Example release notes for illustration. replace with a live agent's notes

No learning without control

How a bank can accept a self-learning agent.

01
Compliance lines never learn.
Disclosures, consent and grievance lines are frozen, version-hashed strings.
02
Humans approve every release.
Named sign-off from your QA or compliance owner and our engineer, logged.
03
Regression before release.
Golden scenarios and last week's failures; any compliance drop blocks it.
04
Canary, then scale.
5% → 25% → 100%, auto-rollback on breach, previous version always warm.
05
Learn only from what you allow.
Per-client boundaries, PII redacted before storage, pause per journey.
06
Every change is explainable.
Which calls taught it, who approved it, scores before and after — for RBI, IRDAI and audit.
Autonomy ladder

Climb at your pace. Own every level.

Most BFSI deployments start at L3. The weekly cycle takes you to L4, under the policy your compliance office signed.

Get your Call Readiness report

autonomy · L1 → L5
L1
Scripted
IVR-style prompts; every path pre-written.
—
L2
Assisted
Agent drafts, human agent speaks or approves.
✓
L3
Autonomous with review
Agent handles calls; 100% graded after; humans review flags.
✓
L4
Self-learning, governed
Weekly cycle: learn from graded calls, regression-tested, human-approved releases, frozen compliance lines.
● FormantAI today
FAQ

The questions your risk team will ask.

Does the model train on our customers' data?
Yes — on your consented, redacted call data, into a model that belongs to you and serves only you. Never used for a shared or foundation model, even anonymised. Training runs inside your environment for VPC and on-prem.
Can the agent learn something it should not say?
Regulator-mandated lines are frozen strings the model cannot alter. Everything else is regression-tested against your golden scenarios and a compliance rubric, then approved by a named human. A canary breach restores the previous version automatically.
Can we pause learning, and how often does it run?
Weekly by default; cadence, approvers and exclusions are set in the pilot charter and you can change them. Learning can be paused or frozen per agent or journey — the agent keeps running on its current approved version.
Who owns the fine-tuned model?
You do. Weights are stored in your environment in VPC and on-prem deployments; in the India-region cloud they are tenant-isolated and exportable.
How do we audit what changed?
Every version has a changelog (source calls, changes, approver, before/after scores), a regression report and a rollback record — exportable for RBI, IRDAI and internal audit.
Under NDA, before any contract

Watch one week learn on your calls.

Book a learning-cycle demo
Readiness

Know what your calls can teach.

Get a Call Readiness report