Blog
AI agents for credit and collections
Writing for collections, credit, and lending operations leaders.
Why collections WhatsApp numbers get banned — and how to reduce the risk
WhatsApp restrictions in payment and collections operations do not have a single cause. Policy, consent, quality, templates, and volume all matter. How to run the channel correctly and reduce the risk.
The Best Voice Agent for Collections Raises Contactability
The best voice agent for collections uses proprietary technology to find the right time to call, then works the portfolio. Not more minutes.
A Voice Agent for Collections, in Your Accent and on Your Lines
A voice agent for collections with a regional accent, placed on the phone numbers and call center you already run. Not a generic voice on a vendor line.
What AI Collections Is — and Is Not
AI collections is an agent on a credit book: voice, WhatsApp, policy you own, a result in the loan system. It is not invoice software and not a dialer with a language pack.
Reduce Cost to Collect — Without Cutting Recovery
How lenders reduce cost to collect and cut cost per completed contact without sending more of the portfolio to an agency. Keep early delinquency with your own team.
Improve Collections Efficiency: More Accounts, Same Team
How to improve collections efficiency: more accounts per collector, earlier contact, and higher capacity without a linear headcount line.
AI for Early-Stage Collections — Before the Account Hits an Agency
AI for early-stage collections keeps the customer relationship with your team. Reminders, first missed payments, and follow-up before the account goes to an agency.
AI Collections for Lenders and Fintechs — Not Invoice Chasing
AI collections for lenders and fintechs: consumer and small-business credit, voice and WhatsApp, policy you own. Not software for chasing unpaid invoices.
Intercobros scales collections without adding headcount
Intercobros runs a hybrid PathPilot voice agent plus human advisors: 9× more management capacity and +150% conversational effectiveness, without growing the floor at the same pace.
Kalicollect increases collections capacity 9× to take on more bank portfolios
Kalicollect went from a 20-person collections floor to two supervisors and 9× more capacity. Located with no agreement is up 20%, and recovery with follow-up runs around 30%.