Behaviour-driven nudges that reach the right borrower, on the right channel, at the right moment — so more of them self-cure before an agent ever has to call.
Treating every missed instalment the same way wastes money and annoys good customers. Collection Marketing AI reads repayment behaviour and intent, then crafts a message — tone, offer, channel and timing — tuned to each individual. The result is a quiet, respectful nudge that gets paid, not an aggressive dunning call.
By moving recovery upstream into self-cure, you keep expensive human agents and legal action for the small minority who truly need them — while everyone else clears their balance from the comfort of their own phone.
Segmentation, personalisation and measurement — the full performance-marketing toolkit, purpose-built for collections.
Group borrowers by repayment history, channel response and intent signals — not just by days-past-due buckets.
For every account, the model picks the action most likely to drive payment — a reminder, an offer, a plan, or a pause.
Reach each borrower on the channel they respond to — SMS, WhatsApp, voice or missed call — at the hour they're most likely to act.
Adapt language, empathy and incentives — a gentle nudge here, a settlement or part-payment offer there — to each segment.
Test messages, offers and timing against holdouts to prove genuine incremental recovery — not just activity.
Automated, multi-step journeys with payment links and plan options that let borrowers resolve overdue balances on their own.
Read repayment behaviour, intent and channel response to segment overdue accounts by likelihood to cure.
Choose the next-best action, then tailor tone, offer, channel and send-time to each borrower.
Deliver the message with a payment link or plan option, and run multi-step self-cure journeys automatically.
Measure uplift against holdouts, learn what works, and re-target only the accounts that still need a human touch.
Self-cure rate — borrowers clear balances on their own, before manual collections begin.
DPD roll-forwards — accounts cure early instead of sliding into deeper delinquency.
Cost to collect — automated nudges replace a large share of agent calls and field visits.
We'll set up a behaviour-driven journey against a holdout group and measure the incremental recovery — so the uplift is proven, not assumed.