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Consumer Credit

Paid faster. Relationships intact.

AI-driven pre-collection for banks and consumer credit providers.

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Every case that rolls to collections costs you twice.

Once in the recovery cost. Once in a customer relationship that rarely recovers. And most late payers aren’t bad payers — they missed an invoice.

AI capabilities

Capabilities that matter here

  1. Proactive outreach

    Reach customers early, before a missed payment becomes a bigger problem.

  2. Tailored journeys

    Adapt timing, messaging and channel based on customer and case data.

  3. Your brand, your voice

    Every interaction feels like it comes from you — with your tone, brand and customer experience.

  4. Easy path to action

    Make the next step clear and simple — whether that means paying, responding or getting help.

Act in the window that decides the outcome.

Day −5 to day +35 — a typical flow, in the window where communication still changes the outcome. Timing differs by market, so we adapt it to yours. Reach a debtor early and 23% act; wait, and it drops to 13%.

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  • >30%

    Increased payment conversion rate

  • 40%

    Fewer cases to collections

  • 4.6/5

    Customer satisfaction score

Ikano Bank automated its payment reminder process, creating a more efficient workflow and better customer experience.

  • 30%

    Reduced operational cost

  • 90%

    Reached customers

  • 45%

    Payment Conversion rate

  • 10 days

    Payments resolved after most recent contact

When it comes to the number of customers paying, we see better results compared to when we had students making the calls. But what we primarily see as an improvement is that we are much more resource-efficient internally. We've saved enormous resources at Ikano Bank. And because of that, we've gained a lot on the cost side. Our previous solution incurred much more internal costs for us.

Malte Berg

B2C Services Specialist (Nordics) Ikano Bank

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Faster payments, without burning the relationship.

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