Native AI in debt collection

One seamless AI platform for every debtor conversation.

Voice, tickets, chat - handled by a single, native AI stack that sounds human, resolves instantly, and feels crafted with the same obsession for detail as your team.

Experience the control room
AI agents resolve debtor queries across voice, mail & chat.
Every interaction and signal influences settlement strategy.

Conversation throughput

150k sessions/mo

Voice, ticket, and chat flows resolved with median handling time of 52 seconds.

Resolution satisfaction

9.8/10

Debtors rate AI-led voice & ticket interactions above premium human benchmarks.

Native AI stack

Layers engineered for AI.

Each Debtist module is built with AI in mind: signal capture, reasoning cortex, and outcome surfaces live on the same substrate. That's why we resolve tickets, calls, and legal escalations with zero friction.

Layer 01

Data capture fabric

Unified ingestion of finances, mail, ticket, ERP and historic rails - with robust schema and GDPR-ready storage.

  • Semantic data structure
  • Bidirectional ERP & CRM bridges
  • Trust-grade encryption & provenance
Layer 02

Reasoning cortex

Multi-agent orchestration that tunes language, tone, legal posture, and channel sequencing in realtime loops.

  • Reinforcement loops tuned for collections KPIs
  • Explainability views for compliance sign-off
  • Dynamic empathy + conversion scoring
Layer 03

Governance + trust layer

Guardrails, audit, and human override interfaces designed with regulators and enterprise security teams in mind.

  • Policy sandbox & rollback controls
  • Realtime compliance whispers
  • Regulator-ready reporting capability
Autonomous pipeline

Signal-led conversations without queue or compromise.

Debtist's control room ingests live signals, mapping tone, intent, financial resilience, and ticket context into a single resolution path. Every touchpoint - call, ticket, or chat - is orchestrated to feel personal, not programmatic.

01

Conversation signal mesh

Event-driven ingestion layer synthesising payment history, ERP status, tone feedback, ticket metadata, and response rate to set the stage for perfectly timed outreach.

  • Emotion, urgency, and compliance signals extracted from every inbound or outbound exchange.
  • All signals collected and omnichannel trails kept audit-proof.
02

Dialogue cortex

Multi-agent reinforcement policies craft conversations in real time - matching tone, cadence, medium, and vocabulary to each debtor while keeping compliance guardrails inviolable.

  • Logic tuned on thousands of interactions, trained for empathy and conversion.
  • Ticket agents formulate emails and chats on the fly with explainable decision trails.
  • Continuous reinforcement learning boosts promise-to-pay conversions regularly.
03

Resolution duet

Omnichannel interactions - calls, SMS, email, chat, tickets - blend seamlessly as the AI negotiates terms, gathers documents, and loops in human specialists only when necessary.

  • Adaptive settlement scripts based on competency framework.
  • Human assurance co-pilots summoned when empathy or escalation cues demand.
  • Live dashboards surface conversation summaries, ticket queues, and at-risk cases instantly.
Debtist AI
Language, dialect, and tone profiles tailored to target market.
Every touchpoint sequenced to feel human.
Settlement outcomes forecast before the call wraps.
Neural operations core

A native AI operating system for debt collection.

We orchestrate a network of specialized models optimised for empathy, conversion, automation, compliance, and legal certainty. Think hybrid cloud inference with on-premise guardrails - ready for regulators, battle-tested for enterprise.

  • EU-hosted, GDPR-native voice, ticket, and chat pipelines with transparent audit trails.
  • Model governance console to approve, roll back, or sandbox new resolutions & ticket styles instantly.
  • Human-in-the-loop oversight assisted by narrative conversation summaries.
Omnichannel solution

Human-level conversations - across tickets, calls, and chat.

Our conversation engine doesn't just read from a script. It listens, reasons, and responds - whether the debtor writes a long-form email, opens a ticket, or picks up the phone. Every flow is tuned with live feedback so it feels handcrafted.

Multimodal cadence control Ticket triage autopilot Conversation memory stitching
Voice ⌀ 0
Tickets 0
Chats 0
Control room

Latency

142ms

Automation

85/100

Outcome

Promise-to-pay secured

Impact

Conversation-first metrics from Europe's AI collector.

Scale is nothing without trust. Every metric below is battle-proven alongside Germany and Europe's leading finance teams with AI-led debtor conversations.

Recovery uplift

0

vs letter-first providers once AI conversations are fully activated.

Decisioning SLA

0

Mean time to ship new dialogue policies or escalation paths across all contact points.

Self-service

0

Debtors resolve without human intervention while maintaining empathy scores above 4.6/5.

Quicker ROI

0

Return on AI handled cases through automated processing and without waiting times.

Let's orchestrate the future of debtor conversations together.

Plug Debtist AI into your receivables workflow - broad coverage, proven ROI, unmatched transparency.

Realtime calling Ticket intelligence Enterprise SLA's
Schedule a demo