Debt collection
AI that works every account, without growing your team.
Most portfolios are under-worked - not because the accounts aren’t there, but because agents are expensive and time is finite.
Am I speaking with Maria Popa?
8 weeks
From contract to production, across four markets and multiple regulatory frameworks.
60%+
Of inbound contacts resolved without a human agent.
3×
More payment arrangements closed outside business hours.
Outbound
The AI that dials your portfolio.
Most AI in collections handles inbound. Zowie runs the full outbound cycle - from portfolio assignment to autonomous dialing at scale.
Assign a process to your portfolio.
Segment your book. For each segment, define which accounts to contact, how often, what to offer, and when to escalate. One configuration runs across thousands of accounts.
Plan the outreach queue.
Schedule contact windows across your entire book. The AI respects regulatory quiet hours, contact frequency limits, and time zones - automatically.
AI agents dial at scale.
The queue runs autonomously. Each call follows your script, negotiates arrangements, and logs every outcome. Your team reviews exceptions - not every conversation.
Business case
AI agents that work for your numbers.
Set your compliance rules.
Every DCO has its own internal requirements - exact scripts, offer limits by segment, mandatory disclosures, escalation triggers for vulnerability. Zowie encodes those rules into a separate engine.
Work the full portfolio.
Most portfolios are under-worked. Human capacity runs out before every account gets a contact attempt. AI agents work every account - at volume, with no additional headcount.
Close outside business hours.
Debtors are reachable at 6pm. Human agents aren't. AI agents handle outreach, negotiation, and payment plan confirmation at any hour, closing significantly more.
Decision Engine
Why debt collection leaders trust the platform in production.
The language model talks to your debtor. A separate engine decides what happens. Most platforms blur the two. We don't.
Other platforms
Most platforms blur the language model and your business rules. When the model drifts, so do the decisions.
Zowie
A separate engine runs your rules. The language model talks to your customer. Every decision is determined by your policies - not by what the model decides that day.
Compliance
Built for regulated collections.
SOC 2 certified, GDPR compliant, DORA ready, EU AI Act and FCA aligned. Full audit trail, vulnerability detection built in, every decision traceable.
Learn more about Compliance
Integrations
Connects to the systems you already use
Orchestrator pulls context from your existing tech stack before every routing decision. Integrate each system once - every agent inherits the context automatically.
- Shopify
- Adobe Commerce
- Okendo
Ready to see it working for your portfolio?
Watch our AI Agent on a live outbound call to your debtor - and see it close a payment arrangement.