How we do collections AI that follows your rules

If the idea of handing your collections strategy to a black-box AI makes you uneasy, you’re not alone. For fintechs, lenders, and subscription businesses, the promise of automation is powerful — but so is the need for compliance, transparency and control.

At InDebted, we believe AI should work with you, not around you. That’s why our third-party solution, Collect, blends intelligent automation with human oversight — giving you the superior performance of AI, without losing the governance you need.

Here’s how:

Smart automation, not a black box

Collect doesn’t make decisions in a vacuum. Our AI personalises collections strategies based on real-time signals — when your customers engage, how far they get through the journey, what channels they prefer — and continuously refines based on outcomes.

Every decision is logged, auditable, and explainable. You see what’s happening, and why.

Every decision is carefully crafted by machine learning models, with clear logic and backed by real customer insights. Explainable, auditable and tracked.

Collect works within set, regulated boundaries

Our clients told us early: “We want machine learning, but with strict contact rules and CX safeguards.” So that’s exactly what we built.

Collect recognises where each customer is located and automatically applies the relevant local regulations. That means your customers are always:

• Contacted within compliant time windows — including modified communication schedules during religious periods like Ramadan
• Provided with the right disclosures, notices, and jurisdiction-specific information if required by the regulator
• Sent only pre-approved messages that have undergone extensive technical and manual compliance review by our expert Compliance team

Collect’s AI delivers performance within your compliance framework. Never outside it.

Behaviour-based personalisation that performs

The real ROI comes from what manual strategies can’t match: adaptive, real-time personalisation.

• Messages are timed for when each customer is most likely to engage
• Clicked but didn’t convert? Follow-ups are timed to re-engage
• Seen better results from payment plans? Collect will prioritise those options

These micro-optimisations can lift conversion by over 30% — and happen continuously, without added workload.

AI with an off-ramp

Digital-first doesn’t mean digital-only.

Collect includes live agent and voice support, so your customers get the help they want, when they want it. If they need an instant answer? Our conversational AI can step in — in Australia, for example, it resolves over 50% of common requests without escalation.

But when someone needs to talk to a human, they can. Seamlessly.

Collections AI that puts customer outcomes first, without compromising on fundamentals

Whether you’re a lean team or scaling globally like Klarna, your collections strategy should optimise every element of your customer experience — but not at the expense of liquidation rates or compliances.

Collect’s AI strikes the perfect balance across your non-negotiables with:

• AI personalisation that lifts performance
• Built-in safeguards for specific regions
• Transparent, auditable reporting

That’s the real ROI of collections AI: smart automation, but with control.

Ready to see it in action?

Take an interactive tour of Collect now to see how it delivers performance and control.