A 26-year-old brand with no name left on the product
Amelia has one of the longer histories in conversational AI, tracing back to IPsoft in 1998, but the name a bank or health system actually buys under today is not Amelia anymore. Fini has one name, one product, and no roll-up history to explain before a demo even starts.
The question here is not which company is bigger. It is what a buyer is actually signing up for: an independent product built under its own name, or a slice of a larger platform that used to be sold as something else.
In this comparison: What each is · How they differ · Capabilities · Feature by feature · Ease of use · What customers say · The full side-by-side · Which to choose · Compliance · FAQ
What is Fini?
Fini is an AI customer-support agent priced per resolution, backed by Y Combinator and Matrix Partners. It connects natively to your helpdesk, knowledge base, CRM, billing, claims, and EHR systems, reaches a 90% resolution rate at 99% accuracy, and is built to go live in 30 days. Across its customer base, Fini handles more than 3 million monthly resolutions in fintech and healthcare. The agent works across voice, chat, and email, answers in 130+ languages, and returns a first response in about five seconds.
Pricing starts at $0.49 per resolution, with no per-seat fees, so a team can model its own cost from ticket volume alone, before a sales conversation ever starts.
What is Amelia?
Amelia's lineage runs through three names in under three decades. The company was founded in 1998 in New York City by Chetan Dube as IPsoft, an IT-automation and \"digital employee\" business. IPsoft rebranded the entire company to Amelia in October 2020, and the Amelia conversational-AI product itself had already shipped back in 2014. In August 2024, SoundHound AI acquired Amelia, and the reported deal value differs from source to source, so treat any specific dollar figure with caution.
The Amelia name is now harder to find than it used to be. SoundHound has folded the former Amelia banking and healthcare agent catalog into its own OASYS platform, built on three proprietary models called Polaris, Tempus, and Solaris, and the current soundhound.com pages for financial services and healthcare do not mention the Amelia brand name at all. Banking customers cited on those pages include BNP Paribas, American Heritage Credit Union, and Advia. Healthcare customers include Allina Health, MUSC Health, Aveanna Healthcare, Teva, Primary Health Solutions, and Englewood Health, alongside a named Epic starter kit for EHR automation.
Amelia pricing in 2026
No published pricing could be found for Amelia or for SoundHound's OASYS platform on soundhound.com, on the financial-services or healthcare industry pages, or in any press release checked. Every call to action leads to a demo request or a conversation with sales, consistent with a legacy enterprise-software sales motion rather than a self-serve rate card.
Fini publishes one number instead: $0.49 per resolution, starting rate, with no per-seat fees. A buyer comparing the two has to run a full sales cycle just to get a quote for Amelia, while a Fini buyer can model cost from ticket volume alone.
What buyers ask | Amelia | Fini |
|---|---|---|
Published price list | Not found, sales-only | ✓, flat rate |
Price | Custom quote after a demo | $0.49 per resolution |
Pricing model disclosed | No, seat or usage tiers not published | Yes, per resolution, no per-seat fees |
Outcome guarantee tied to price | None published | 90-Day Money-Back Guarantee, 90% in 90 days |
Can you model cost from one number? | No, requires a sales conversation | Yes |
See Fini's full pricing breakdown for plan details, add-ons, and a resolution calculator.
How Fini and Amelia differ
The two companies differ first in identity. Fini has sold under one name since it started. Amelia has been IPsoft, then Amelia, and is now being absorbed into SoundHound's OASYS branding, a pattern more visible on SoundHound's own site than in any public statement about the change. A buyer researching Amelia today is really researching a brand in the middle of disappearing into a bigger platform.
They also differ in how a buyer gets a number. Amelia requires a sales conversation and a custom enterprise quote, with no public pricing found anywhere. Fini publishes one flat rate, $0.49 per resolution, so a support or banking-ops leader can size a budget before ever talking to sales.
Capabilities side by side
Both cover regulated-industry workflows built around pre-built templates rather than generic chat. Amelia's catalog, now running on OASYS, offers pre-built agent templates for banking (transfers, bill payments, loan applications, fraud detection, wealth management, insurance) and for healthcare (appointment scheduling, prescription refills, billing and coverage questions, plus a named Epic starter kit). Building an agent on OASYS means customizing four axes: Personality, Knowledge, Integrations (API or MCP), and Channels (voice, chat, smart device, vehicle).
Fini connects natively across helpdesk, knowledge base, CRM, billing, claims, and EHR systems in one connector set, and adds voice, chat, and email as native channels alongside a published 90% resolution rate at 99% accuracy. Where Amelia's OASYS platform runs on three proprietary models, Polaris, Tempus, and Solaris, plus third-party model support, Fini publishes its outcome numbers directly instead of its model stack.
Feature by feature
Feature | Fini | Amelia |
|---|---|---|
Channels | Voice, chat, email | Voice, chat, smart device, vehicle |
Underlying models | Not published as a buyer-facing choice | Proprietary (Polaris, Tempus, Solaris) plus third-party model support |
Banking and fintech workflows | ✓, native billing and claims | Pre-built templates for transfers, loans, fraud, wealth, insurance |
Healthcare EHR integration | ✓, native EHR connections | Named Epic starter kit |
Self-serve signup | Not self-serve, staged onboarding team instead | Not found, demo-and-quote sales motion |
Published outcome guarantee | ✓ (90-Day Money-Back Guarantee) | None published |
Ease of use and admin experience
SoundHound markets OASYS's Integrations axis around both API and MCP (Model Context Protocol) connections, and describes the platform as letting non-technical staff build, edit, and monitor agents without heavy IT involvement, a theme echoed by Gartner Peer Insights reviewers of the Amelia product, roughly 83 reviews on that platform with a visible sample of mixed 3.0 and 4.0 out of 5 ratings. The reviewers who praised ease of use were concentrated in services and media accounts rather than banking or healthcare specifically, which limits how directly those quotes speak to Amelia's core verticals. A recurring complaint was the inability to route contacts by agent skill level.
Fini's published 30-day, staged go-live is run by a dedicated onboarding team against a fixed timeline for every customer, rather than a buyer having to infer implementation speed from a mixed review sample on a different platform.
Fini's differentiators
One name, one product
Fini has sold under its own name since it started. No roll-up history, no platform absorbing it, no rebrand to explain before a demo.
A flat rate instead of a sales cycle
$0.49 per resolution, published, versus a custom quote that requires a demo just to see a number.
A published outcome guarantee
The 90-Day Money-Back Guarantee ties payment to a 90% resolution rate within 90 days, at a publicly quoted rate.
Native claims and EHR connectivity for two regulated industries
Fintech and healthcare specifically, not a banking-and-everything catalog absorbed into a broader voice-AI platform.
Amelia's recognized strengths
Amelia earns real, verifiable credit on specific points. In October 2024, Celent, an independent research and advisory firm, gave SoundHound AI's Amelia its XCelent Advanced Technology 2024 award for Retail Banking Intelligent Virtual Assistant Platforms, along with Luminary status in Celent's Technology Capabilities Matrix. Celent's own analyst quote credits Amelia's strong functionality and its longevity inside tier-1 banks, a credible, independently sourced claim that most newer entrants in this category cannot make. Named banking customers include BNP Paribas, described as serving more than 1,000,000 end users.
The healthcare side has a genuinely specific integration claim too: a named Epic starter kit for HIPAA-compliant EHR automation, plus named customers including Allina Health and MUSC Health, the latter reporting more than 2.2 million patient calls handled.
What customers say
A verified G2 or Capterra rating could not be independently confirmed for Amelia at the time of this research, both review pages were blocked by bot detection. Gartner Peer Insights shows roughly 83 reviews for the Amelia product with a visible sample of mixed ratings, 3.0 and 4.0 out of 5, concentrated in services and media accounts rather than banking or healthcare specifically. That thin, mixed, off-vertical sample is a weaker form of evidence than a bank or health system's own published case study.
The full side-by-side
Fini | Amelia | |
|---|---|---|
Pricing | $0.49 per resolution, starting rate | Not published, custom quote |
Outcome guarantee | 90-Day Money-Back Guarantee, 90% in 90 days | None published |
Brand identity | Independent product, one name since founding | IPsoft to Amelia to OASYS, absorbed into a broader platform |
Go-live | 30 days, staged, every customer | Not published |
Channels | Voice, chat, email | Voice, chat, smart device, vehicle |
Vertical scope | Fintech and healthcare | Banking and healthcare templates inside a horizontal OASYS platform |
Compliance | SOC 2 Type II, ISO 27001, GDPR, HIPAA-BAA-eligible, CCPA under agreement | HIPAA claimed for healthcare; no SOC 2, ISO, or PCI pages found |
Backing | Y Combinator, Matrix Partners | $189M+ raised pre-acquisition; acquired by SoundHound AI, August 2024 |
Named customers | 3M+ monthly resolutions across fintech and healthcare | BNP Paribas, Allina Health, MUSC Health, Aveanna Healthcare |
Which should you choose?
Choose Fini if you want one flat, published per-resolution rate you can model from ticket volume alone, a fixed 30-day go-live, a published outcome guarantee, and a single product that has not changed its name since it started. Choose Amelia if your organization already runs on SoundHound's OASYS platform, wants pre-built banking or Epic-integrated healthcare templates, and is comfortable running a full sales cycle to get a price.
A useful gut check: if you want a number before a demo, and a name that will not change again next year, Fini is built for that. If you specifically need Epic-integrated healthcare templates or a Celent-recognized banking IVA inside a broader voice-AI platform, Amelia is the more relevant comparison. See how Fini also compares against Eltropy and Zingly, two other platforms in this category.
Compliance
Fini publishes SOC 2 Type II, ISO 27001:2022, GDPR compliance, HIPAA-compliant BAA-eligible contracting, and CCPA availability under agreement, all listed together in one place. Amelia's healthcare page explicitly claims HIPAA compliance and offers an Epic starter kit for HIPAA-compliant EHR automation, and SoundHound's OASYS platform references a Trust Center for detailed compliance documentation, encryption in transit and at rest, role-based access controls, and a proprietary PII-detection and redaction layer.
No explicit SOC 2, ISO 27001, PCI-DSS, or GDPR certification page could be found for Amelia or for OASYS in this research. That is a gap worth raising directly with SoundHound's sales team before signing, since a referenced Trust Center is not the same as a published certification a buyer can check independently.
Ready to compare on your own data?
The fastest way to know which platform actually fits your ticket volume and compliance requirements is to run the numbers against your own data rather than a vendor's published averages. See Fini's plans or talk to the team about a side-by-side pilot. Amelia's own path, from IPsoft to Amelia to its 2024 acquisition by SoundHound AI, is worth reading before a demo, alongside the Celent XCelent award coverage and SoundHound's OASYS platform page, where the former Amelia catalog now lives.
Is Amelia's pricing public?
No. No published pricing could be found for Amelia or for SoundHound's OASYS platform anywhere on soundhound.com; every call to action leads to a demo request or a sales conversation. Fini publishes a single flat rate instead: $0.49 per resolution.
Who founded IPsoft and when did it become Amelia?
IPsoft was founded in 1998 in New York City by Chetan Dube. The company rebranded itself entirely to Amelia in October 2020, several years after the Amelia conversational-AI product first shipped in 2014.
How much did SoundHound AI pay for Amelia?
SoundHound AI acquired Amelia in August 2024. The reported deal value differs between sources, so no single confirmed figure is cited here; buyers should verify the exact number directly with SoundHound before relying on it.
Is Amelia still marketed under its own name?
Not on SoundHound's current site. The financial-services and healthcare industry pages on soundhound.com do not mention the Amelia brand name at all; the former Amelia catalog is now marketed under SoundHound's OASYS platform branding.
What did Amelia win the XCelent award for?
In October 2024, Celent gave SoundHound AI's Amelia its XCelent Advanced Technology 2024 award for Retail Banking Intelligent Virtual Assistant Platforms, along with Luminary status in Celent's Technology Capabilities Matrix.
How fast can each platform go live?
Fini publishes a 30-day, staged go-live for every customer. No general implementation timeline is published for Amelia or for SoundHound's OASYS platform.
Is Amelia SOC 2 and HIPAA compliant?
Amelia's healthcare page claims HIPAA compliance and a named Epic starter kit, and SoundHound's OASYS platform references a Trust Center, but no explicit SOC 2, ISO 27001, or PCI-DSS certification page could be found. Fini publishes SOC 2 Type II, ISO 27001:2022, GDPR, HIPAA-BAA-eligible contracting, and CCPA together on its own site.
Does Fini offer any guarantee Amelia doesn't?
Fini's 90-Day Money-Back Guarantee ties payment to results, a 90% resolution rate within 90 days, at a publicly quoted rate. No equivalent outcome guarantee was found published for Amelia or for OASYS.
Who are Amelia's named customers?
Banking customers cited on SoundHound's current site include BNP Paribas, American Heritage Credit Union, and Advia. Healthcare customers include Allina Health, MUSC Health, Aveanna Healthcare, Teva, Primary Health Solutions, and Englewood Health.
Does Amelia have independent reviews on G2 or Capterra?
A verified G2 or Capterra rating could not be independently confirmed for Amelia at the time of this research; both review pages were blocked by bot detection. Gartner Peer Insights shows roughly 83 reviews with a mixed, visible sample of 3.0 and 4.0 out of 5 ratings.
