High Intent Labs
Internal briefing · Voice AI support · 16 Aug 2026
Where we have got to

What we know about voice AI support

Everything we have found so far, from public research and from speaking to the vendors ourselves. This is written for us, not for a client. Where a number comes from a vendor, it says so.

Assessed
15 vendors
four layers, six dimensions each
In motion
4 vendor calls
PolyAI and Decagon booked
Live case
1 UK insurer
FCA regulated, digital first
The short version

Three things worth knowing

Reality check

Failure is the normal outcome

This is the finding that reframes every conversation. It is not a reason to stay out of the market. It is the reason clients need someone who has read the post mortems.

40%
of agentic AI projects will be cancelled by the end of 2027, according to Gartner. The stated causes are scope and governance, not the technology.

Sources: Gartner (analyst), Sinch 2026 (vendor), 8x8 (vendor, trend corroborated elsewhere).

Qualification

Three gates. No gate, no project

We worked these out so we can say no early, which is cheaper for everyone. All three have to be open.

Gate one

Volume

At least three people effectively on the phone. That is roughly 5,000 contacts a month at four minutes a call.

Gate two

An owner

One named person at the client who owns the knowledge base and the error queue after go live.

Gate three

Access to the best

Three to five experienced agents, released for interviews and shadowing. Without them the knowledge base is second hand.

Missing data is not a gate. If a client cannot name their top ten call reasons, that is a paid contact analysis first, then the agent.

Why the volume threshold, worked out ourselves

The running costs are never the problem. A human call costs about £6.26, the same call handled by AI about £0.35, a factor of fifteen. The problem is the fixed cost that does not scale: £35k to £150k to build, plus half to one full time owner forever, plus an annual minimum of around $150k on a managed platform.

Contacts a monthNet FTE freedAI cost a yearNet a yearPayback at £60k build
2,000+0.1£8,400minus £5,400never
5,000+1.0£21,000£10,6005.7 years
12,000+2.9£50,400£47,9001.3 years
30,000+7.9£126,000£127,7000.5 years
5,000+2.5£21,000£58,2001.0 year (at 8 minutes)

Our own model, 9 August 2026. Note the AI cost applies to all contacts, including the ones that escalate to a human.

So 5,000 is the floor where the sum stops being negative, not the point where it becomes attractive. At the usual four minute call it only gets comfortable at 10,000 to 15,000 contacts. Below that, either the calls have to be long, or the reason has to be something other than saving money: opening a channel, covering nights and weekends, or stopping complaints about not being able to reach anyone.

Evidence

Numbers we can stand behind

Sorted by how much weight they will carry in a room. The dashed tags are the ones to quote carefully or not at all.

MeasureValueSourceWeight
Cost per call, UK£6.26ContactBabelIndependent
Same call handled by AIabout £0.35derivedIndependent
Realistic containment45 to 65%IrisAgentBest estimate
Containment as sold60 to 90%vendor decksMarketing
True cost of AI telephony$0.11 to $0.30 a minuteseveralIndependent
Self built stack$0.035 to $0.122component pricingIndependent
Managed enterprise platformfrom $150k a yearthird partyEstimate
Initial build$35k to $150kseveralEstimate
Integration share of effort40 to 60%severalEstimate
Build versus buy break even40k to 60k calls a monthour modelOur model
Agent assist, cases solved per hour+14%, +34% for new staffBrynjolfsson et al., QJEPeer reviewed
Return on investment391%Forrester TEIVendor funded

Two things to carry out of that table. First, the only peer reviewed effect in this whole field is for agent assist, meaning AI helping a human, not replacing one. For a nervous client that is the right first project. Second, headline per minute prices of $0.05 to $0.07 only cover orchestration. They do not include the model, speech to text, speech synthesis or the line.

There is no independent payback benchmark anywhere. That is the biggest hole in the market, and it is also our most honest line: we build the business case from the client's own numbers, not from an industry average.

The market

Fifteen vendors, four layers

Infrastructure (models and speech), toolkit (build it yourself), managed (they run it), and the suite you may already own. The average score below is the least useful column. Cognigy leads and is still wrong for a small unregulated client. Always read the column that matches the constraint the client actually has.

VendorLayerScoreStrongest argument
Cognigy / NiCEManaged4.3The only real on premise option. ERGO as a named insurer
ParloaManaged3.8Swiss Life, EU data, real telephony audio work
PolyAIManaged3.7UK company, voice first, simplest residency answer
Observe.AIAssist3.7100 per cent QA instead of sampling
ElevenLabsInfrastructure3.7Best voice quality, published prices, EU residency since 2026
SpeechmaticsInfrastructure3.7On premise speech recognition, UK
CrestaAssist3.2Live coaching, lowest risk way in
SynthflowToolkit3.2Best certifications in the no code segment
SierraManaged3.0Outcome pricing, but $50k to $200k just to set up
DecagonManaged2.8Fast time to value, no regulated track record on paper
RegalManaged2.8Outbound, but built around US law
Vapi / Retell / BlandToolkit2.7Fast and cheap, compliance too thin for regulated work
First hand

What we get from talking to them

Desk research gives you the brochure. The calls give you the shape of the deal. We are working through the shortlist and writing down what each one says, so the comparison is ours rather than theirs.

Call in progress

PolyAI

Why it fits regulated UK
UK company, UK office, voice first. The easiest data residency answer on the list.
Insurance proof
Simplyhealth is the one visible UK insurance reference. Worth asking for in detail.
Commercials
Per minute, annual minimum reported at around $150k. Nothing published.
Route to market
Has a channel partner programme, and fresh Series D money going into it.
Call booked

Decagon

Scale
$250m raised at a $4.5bn valuation in March 2026, over 100 enterprise customers.
Regulated proof
Chime, Affirm and Block give real regulated fintech. No named insurer anywhere.
Europe
Deutsche Telekom is a commercial pilot and a strategic investor. EU residency is optional, not default.
Commercials
Per conversation, around $0.99 reported. Entry near $95k, median near $400k.
The question we now put to every vendor: who builds and maintains the knowledge base, you or us? The answer tells us whether they are a supplier or a competitor.

Still to do: Sierra, ElevenLabs and Vapi, so the list is complete. Cognigy and Parloa came to us cold, which is worth remembering when we need a fast conversation.

What the rules force

Compliance is the product design

There is no separate AI law in the UK. The existing FCA rules apply to an AI conversation exactly as they apply to a human one, which is stricter than most people assume.

RuleWhat it forces into the design
Consumer Duty
since July 2023
Four outcomes have to be evidenced. A named senior manager is personally liable under SMCR. Handing a decision to an algorithm does not hand over the liability.
FG21/1
vulnerable customers
The agent has to spot vulnerability in voice, wording, confusion or stress, and hand over to a person at a low threshold.
DISP
complaints
The agent has to recognise when something is a complaint, including implied dissatisfaction, and route it properly. Getting that wrong is a regulatory failure, not a service failure.
Art. 22A to 22D UK GDPR
new since 5 Feb 2026
Automated decisions are now permitted in principle rather than prohibited, but anything with an adverse effect needs information, representation, human review and the right to object. Underwriting is named as exposed.
SYSC 8
outsourcing
Due diligence, audit rights, ongoing monitoring, and notification if the service counts as critical or important. This is our clearest hook: we build that vendor governance layer.

The DACH blocker nobody writes about in English

Section 87(1) no. 6 of the German Works Constitution Act bites on the abstract suitability of a system to monitor performance, not on whether you actually use it that way. The Federal Labour Court confirmed this on 8 March 2022. Call logging and QA scoring fall under it. Without works council agreement, the rollout is void, and there is a prohibition on using what you gathered. This belongs in the plan as its own phase, before the contract, not as a footnote.

This summary comes from web research, not from reading primary law. Have it checked before it goes to a client.

How we deliver

Three phases, and one of them is the business

01

Scoping and implementation

Vendor choice, use case prioritisation, first working agent. Two to three weeks.

02

Building the knowledge base

Three to six weeks, overlapping. Transcript mining across a full seasonal cycle, two to three days shadowing the most experienced people, structured extraction interviews with the top performers, and a review of whatever documentation exists. The gap between the written process and the lived one is itself a finding.

03

Continuous refinement

From go live. Five per cent of conversations sampled weekly, plus 100 per cent of anything with a negative signal. A fault taxonomy, 30 to 50 golden conversations as regression tests, and a dashboard the client can see. Errors cluster at the edges, so random sampling alone is not enough.

Phase two is the whole argument. It is the part vendors deliver worst, because it is not a software problem. The knowledge usually does not exist in writing at all: it lives in the heads of the people who have been answering the phone for six years. Nobody sells a product that fixes that.

The risk to settle before signing anything: if the client will not release the time of their best agents, the knowledge base gets built second hand and stays shallow. That is worth losing a deal over, because it is how the project fails later.

Honest gaps

What we still do not know

High Intent Labs
Internal · not for client distribution