AI-driven collections that segment every account by propensity to pay, choose the right strategy, and engage borrowers across SMS, WhatsApp, voice and agents — so the right action reaches the right account at the right time.
Blanket call lists and one-size-fits-all reminders burn agent hours on accounts that would have self-cured, while genuinely at-risk borrowers slip into deeper arrears. PhotonMatters Debt Collection scores each account on propensity to pay, then routes it to the strategy and channel most likely to recover — automatically.
Low-effort accounts get a gentle digital nudge; high-risk ones get prioritised agent and field action. Promise-to-pay is tracked end to end, settlements are managed in-platform, and every interaction feeds dashboards that show exactly what is working — by segment, channel and team.
From segmentation to settlement — every stage of the collections journey in one platform.
Score every delinquent account on the likelihood it will pay, and cluster accounts into segments with shared risk and behaviour.
Rules and models decide which accounts to work first and which strategy to apply, so agent and channel capacity goes where it pays off.
Reach borrowers on SMS, WhatsApp, voice and live agents from a single orchestration layer — with channel chosen by propensity.
Capture commitments, schedule automatic follow-ups, and flag broken promises the moment a payment date is missed.
Queue work, script conversations and route field visits with mobile workflows that keep desk and field teams in sync.
Negotiate and book settlements in-platform, and track recovery, cure rates and cost-to-collect on live dashboards.
Score and cluster delinquent accounts by propensity to pay, balance, bucket and behaviour.
The strategy engine ranks accounts and assigns the right treatment, channel and timing to each.
Reach borrowers across SMS, WhatsApp, voice and agents, capturing promises to pay as you go.
Book payments and settlements, then feed outcomes back to sharpen the next cycle's strategy.
Cure rates — propensity targeting puts the right treatment on accounts most likely to recover.
Cost-to-collect — digital channels handle self-curing accounts and free agents for the hard cases.
Roll-forwards — early, well-targeted action keeps accounts from sliding into deeper buckets.
Share a sample of your delinquent book and we'll model the cure-rate and cost-to-collect impact in a working demo.
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