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Collections & Lending
Recover More Debt With Less Effort
AI-powered outreach that reaches more debtors, negotiates payment plans, and tracks compliance — across voice, SMS, and WhatsApp.
+35%
Right Party Contact Rate
60%
Cost Reduction vs. Human Agents
3x
More Accounts Worked Per Day
The Problem
Common Challenges We Solve
Low contact rates
Manual dialers reach less than 10% of accounts. AI multi-channel outreach hits 35-40% contact rates.
Compliance risk
FDCPA, GDPR, TCPA violations are costly. Our system enforces calling windows, opt-outs, and consent automatically.
High cost per recovery
Human agents cost $35-50/hour. AI handles routine outreach at a fraction, freeing agents for complex negotiations.
Capabilities
What ACS Handles for Collections & Lending
Early-stage delinquency outreach
Payment plan negotiations via AI voice
Promise-to-pay follow-up automation
Legal escalation triggers
Regulatory compliance enforcement
Automation Playbooks
Ready-Made Workflows for Collections & Lending
Deploy in days, not months. Our pre-built playbooks cover the full customer journey.
1
Day 1-3 missed payment SMS
2
Day 7 AI voice outreach
3
Day 15 WhatsApp settlement offer
4
Day 30 human escalation trigger
5
Promise-to-pay confirmation flow
Products
The Full ACS Stack for Collections & Lending
Every product works together or can be deployed independently.
CPaaS
HiRi Telecom
3,000+ global telecom routes. One API.
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AI CCaaS
Virtual Contact Centre
Build AI voice and chat agents. No code.
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Engagement
CRM Platform
30+ industry playbooks. Deploy in days.
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Retargeting
DSP Platform
Programmatic retargeting for high-value audiences.
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Human + AI
Contact Centre
Blended AI + human agents. 24/7 coverage.
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Get Started
Ready to Deploy for Collections & Lending?
Get a personalized demo showing exactly how ACS works for collections & lending use cases.
✓ Industry-specific demo
✓ Deploy in weeks
✓ ROI estimate included