Voice AI Is the Interface. Process Design Is the Innovation.

Rob Bajohr

Head of Marketing

June 2, 2025

Most startups focus on making voice agents sound human. At Marr Labs, we focus on making them useful. This post explains why the real breakthrough isn’t the voice, it’s the workflow behind it. From qualification to compliance to warm transfers, the future of voice AI is operational.

Voice AI is having a moment.

The Information recently spotlighted a wave of startups building AI-powered voice agents across industries, from restaurants to fintech to mortgage lending. It’s exciting coverage for a technology that’s quietly matured over the past 12 to 18 months. But amid all the excitement, something more fundamental is happening: the real innovation isn’t just in the voice. It’s in the workflow.

The ability to speak naturally with AI is no longer the hard part.

Advances from OpenAI, Deepgram, Google, and others have made real-time, human-like voice interaction finally possible and affordable. What separates a flashy demo from a real business solution isn’t better speech quality. It’s better process design.

At Marr Labs, we’ve seen this firsthand. We build voice agents for mortgage lenders that don’t just “talk.” They work. Our agents qualify borrowers, capture key data, and route the call while staying compliant and integrated with client CRMs and telephony systems. The value isn’t in the voice alone. It’s in the orchestration: who gets called, when, under what conditions, what’s said, what’s captured, and what happens next.

In other words, the agent is just the interface. The magic is in what it connects to and how it fits into the business process.


That’s where many new entrants get it wrong. It’s tempting to focus on the model, the voice, the latency numbers. And yes, those matter. But when voice AI gets deployed in the real world — in mortgage, healthcare, logistics, or hospitality — it meets a wall of operational complexity:

  • Compliance requirements
  • Human handoff scenarios
  • CRM and LOS integrations
  • Timing sensitivities
  • Multi-party workflows


Solving for those is where the true differentiation lies.


We’ve learned, for example, that a one-second delay in warm-transferring a borrower can mean a lost lead. That the wrong phrasing during a qualification call can trigger regulatory issues. That transferring too early or too late undermines trust. Designing for these details and iterating them over time is what makes a voice agent effective.


The market is starting to see that. The Information noted that companies like Marr Labs are already running real-time qualification calls on behalf of lenders, not as a proof of concept, but as a core operational tool. And that’s just the beginning. The winners in this space won’t be the ones with the smoothest-sounding bots. They’ll be the ones that make voice AI invisible, woven into the flow of business, supporting people and processes without getting in the way.


Voice AI isn’t a product. It’s infrastructure. And the best infrastructure disappears.