Smart Collect. Ai: Ethical, AI-Driven Debt Recovery
Maximize recovery rates while preserving customer relationships through hyper-localized, empathetic AI negotiation.
The Challenge
Traditional debt collection methods are often abrasive, rigid, and rely on generic scripts. This approach damages customer relationships, ignores cultural nuances, and often results in lower recovery rates and potential violations of consumer protection laws.
The Solution
Smart Collect transforms debt recovery into a personalized, empathetic conversation. Powered by BankLLM™, it engages customers via Voice and WhatsApp using hyper-localized dialects (e.g., Khaleeji Arabic, Hindi, English). It analyzes customer sentiment in real-time, dynamically adjusting its negotiation strategy to secure promises-to-pay while strictly adhering to ethical collection standards.
Step
1
Intelligent Outreach
AI initiates contact via Voice or WhatsApp in the customer's preferred language and dialect at the optimal time.
Step
3
Empathetic Negotiation
Dynamic script adjustment pivots between firm collection and flexible restructuring based on customer responses.
Step
2
Sentiment Detection
Real-time sentiment and intent analysis determines the customer's emotional state and willingness to negotiate.
Step
4
PTP & Settlement
Automatically captures promise-to-pay terms and updates the core banking system in real-time.
Converses fluently in regional dialects and code-switches naturally (e.g., "Hinglish" or "Arabish") to build rapport.
Detects frustration, hesitation, or willingness to pay, allowing the AI to pivot from a firm approach to offering flexible restructuring options instantly.
Seamlessly negotiates payment terms, captures the PTP, and automatically updates the core banking system.
Notifies compliance officers of relevant regulatory shifts the moment they are published, categorized by risk level and business unit impact.
