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.
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Operations
What AI agents handle for debt collection organisations
Payment arrangements, disputes, proactive outreach, and portfolio servicing - handled in the debtor's language, within your regulatory guardrails, at a cost per conversation your human team can't match.
Business case
AI agents that work for your numbers.
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.
Cut cost per contact.
Human agents are expensive per conversation. AI agents handle the same conversation at a fraction of the cost.
The ROI case writes itself.
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 collection rules. When the model drifts, so do the offers - and the regulatory exposure.
Zowie
A separate engine runs your rules. The language model talks to your debtor. Every offer, every limit, every escalation is determined by your policies - not by what the model decides that day.
In production
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.
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.
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.