InDebted launches Voice, an AI voice agent that lifts collections team productivity and doubles kept payment plans

Sydney, Australia — 11 November 2026 — InDebted, the global collections infrastructure platform, today launched Voice, an AI voice agent that makes outbound collections calls and hands sensitive conversations to people on the collections team. Voice is InDebted's fifth product, alongside Receive, Collect, Release and Comply.

In early testing on InDebted's own accounts, customers who agreed a payment plan with Voice were about twice as likely to keep it as those who spoke with a human agent.

Banks, lenders, buy now, pay later providers and other businesses with consumer and commercial accounts can use Voice to call their own customers about overdue accounts, or get it as part of Collect when InDebted manages collections for them. Voice is launching in every market InDebted operates in, in each market's local languages plus Hindi in the UAE.

Voice takes on high-volume outbound calls, so collections teams can focus on the conversations that need a person. Compliance checks run before and during every call, and customers can agree a plan and pay by secure link while still on the phone. When a customer mentions hardship or asks for a person, Voice hands them to the collections team with a summary of the call.

Plans and settlements stay consistent with each client's existing collection strategy, and every call outcome flows back to give clients one view of each account.

Voice enters a fast-growing global market. The voice agent market was worth US$2.3 billion in 2025 and is expected to reach US$27.5 billion by 2032, growing around 42% a year, with outbound sales and collections the fastest-growing use case.¹

"We're seeing massive demand from lenders who need to do more with their collections teams without compromising on compliance or the customer experience," said Chris McNamara, CEO of InDebted. "Voice gives them that. We proved it on our own accounts first, where customers were about twice as likely to keep their payment plans. That means fewer broken plans for teams to chase and a better outcome for the customer, and we're excited to bring that performance to clients in every market we operate in."

"The models are available to everyone. Our advantage is 10 years of collections experience, billions of data points and the knowledge of what works across seven countries. We use that to build specialised agents, enforce critical rules in code and evaluate calls against the same standards as our human team. That's how we're setting the standard for AI in collections," said Pierre Bergamin, Chief Technology Officer of InDebted.

InDebted's own specialist team first put voice AI to work in July 2023, calling Australian customers whose payment plans had broken and helping them set up a new one. The current version of Voice has been in pilot since mid-2026 on a portfolio InDebted owns in Australia. In the UAE, clients including Abhi use Voice through Collect, where it speaks with customers in English and Hindi and switches languages mid-call as the customer does. In Australia, Voice also takes inbound calls.

"A phone call about money is one of the hardest calls a person can get," said Josh Foreman, Founder of InDebted. "Our first voice AI calls in 2023 taught us what people need from that call – someone who explains things clearly, offers a plan they can manage and knows when to hand over. We've been collecting for 10 years, and Voice is built on what our team has learnt on those calls."

More information about Voice, including an interactive demo of a call, is available at indebted.co/product/voice.

¹ Source: MarketsandMarkets, Voice Agents Market