Voice-based AI agents feel easy until you try to make them fast. Then you realize: Speed isn’t just a good-to-have feature—it’s the UX.
Below is a breakdown of what we’ve learned so far while building an enterprise-grade, production-ready, real-time voice agent for the consumer finance industry.
Most voice agents use this 4-part pipeline:
Voice-native LLMs like GPT-4o abstract some of these layers but they sacrifice control and observability. That tradeoff doesn't work for highly regulated industries such as banking and lending, where the reliability of agent outputs is extremely non-negotiable.
Every conversational turn involves:
Latency is measured from the moment the user stops speaking to when the agent starts speaking.
LLM responsiveness is typically tracked via:
Key takeaway:
TTFT is the most critical metric for perceived responsiveness.
TPS matters less than how fast the agent starts speaking.
We stream LLM outputs to the TTS engine as they're generated.
Pros:
Cons:
We shaved 1–2s off total latency with these changes:
If a task doesn’t require GPT-4-quality reasoning, we fall back to lighter-weight models.
Example:
This hybrid approach keeps costs low and response times tight.
LLMs don’t know your backend. So we use:
Future work: integrate more consumer-specific inferences from PIE (Prodigal Intelligence Engine) so that every consumer interaction is further personalized.
We’re onboarding multiple customers from our industry. Here's what’s working:
Low-latency AI voice agents are possible. But they don’t come from chasing better models. They come from:
Build for real-time first. Everything else can come later.
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