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Why 2 PM Is a Bad Time to Call

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  If your 2 PM calls often go unanswered, the data explains why. Mid-afternoon is a period when contact rates naturally drop. People are less focused, more distracted, and more likely to ignore unknown calls. Why 2 PM Misses More Often Energy dip after lunch. Attention drops, meetings stack up, and calls get deprioritized. Routine conflicts. School runs, errands, internal meetings, and “Do Not Disturb” windows reduce availability. Perceived intrusion. When someone is busy, a collection call feels disruptive. Disruption leads to lower contact rates, reduced right-party contact (RPC) rates, and more complaints or opt-outs. How AI Optimizes Contact Strategy AI doesn’t rely on fixed calling windows. It uses behavioral data to improve contact and conversion performance. AI systems: Analyze individual engagement patterns. Who answers at 8 AM? Who responds to SMS at 7 PM? Optimize contact timing. Instead of “always call at 2 PM,” the system recommends time windows with historically higher...
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Collecting With Care 101: How To Show Love To Your Customers This Season

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  It’s the season of love. But….  Valentine isn’t just for romantic partners, it’s the perfect time to show your customers how much they matter.  Valentine’s gives you a rare opening: people want to experience love.  Use this moment to turn a routine collection into a small act of respect. Here’s a fresh, practical way to Collect with care and make this season one to remember, without losing control or compliance. Why Valentine’s week works for collections Love-season messaging is all about tone and timing.  A short, respectful nudge sent in the right channel and at the right time gets more replies than a late-night demand. When customers feel seen, they’re more likely to respond, negotiate, and pay. Three quick rules to keep this season human-first Lead with help, not threat.  Open with empathy: acknowledge life happens, offer options, and invite a conversation. Make paying easy. When someone shows intent, close the loop immediately, mobile pay links or qu...
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Mastering AI for Compliant Debt Recovery

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  Practical guidance for Debt Recovery Officers in Nigerian banks Banks in Nigeria face a familiar problem: large delinquent portfolios, rising operational costs, and recovery processes that are slow, inconsistent and — all too often — damaging to customer relationships. AI can change that. But only when it’s implemented with clean data, strict controls, and a compliance-first mindset.  Why Move to AI (But Move Carefully) AI-driven outreach is not a novelty — it’s an operational multiplier. Compared with manual collections, an AI platform can scale to tens of thousands of contacts per day, operate 24/7, and automate payment setup and recurring debits — dramatically lowering cost per contact and improving speed-to-resolution.  This piece shows recovery lifts and efficiency gains that are achievable when AI is applied correctly: much higher contact coverage, faster resolution, and substantial agent-time savings. That said, AI also introduces specific risks for banks: incorr...
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Human-First Collections: Designing AI That Protects Customer Relationships

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As a Debt Recovery Officer, your job isn’t just to collect, but to collect without breaking trust. Which is why AI in collections must be human-first: it speeds recovery while keeping customers treated fairly and your bank protected. For better context, here’s how to go about it: Empathy coined into every script.   AI should use simple, respectful language and match the customer’s preferred channel and tone. That means letting the system send a friendly WhatsApp nudge in the customer’s language, then escalate to a phone call with a human agent if the case needs negotiation.  These small choices lower complaints and keep customers willing to engage. Make human-in-the-loop the rule, not the exception.  Let AI handle high-volume routine touches — reminders, payment links, auto-debit enrollments — but route disputes, identity issues, and large balances to trained collectors. When a human agent takes over, provide full context: last messages, payment attempts, and recommended ...
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How AI is Changing Debt Recovery in Nigeria

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  Debt recovery is entering a new operational era. Instead of relying only on field visits and manual calling lists, banks can now use AI to reach far more customers, tailor messages in local languages, and complete payments in the same interaction while keeping strict audit trails and regulatory controls.  What “AI in debt recovery” really means  At its core, AI-enabled debt recovery automates and optimizes customer outreach and payment collection across channels (voice, WhatsApp, SMS, email). It combines predictive scoring (who is most likely to pay), personalized messaging (tone, language, offer), smart timing (when a customer is most receptive), and instant payment flows (one-click links or auto-debits).  The result is scale and consistency: platforms report the ability to contact tens of thousands of customers daily instead of a few hundred per agent. Why this matters to you  Far greater coverage. AI systems can automate 30,000+ contacts per day, improving...
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Will Your Customers Return Next Year?

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Merry Christmas! The parties are on, but is it really merry for your customers? If they left this season irritated, ignored, or disappointed, they might not come back next year.  Good news is, you’ve still got time. One week of focused moves can turn hesitation into loyalty.  Here’s a clear, simple plan showing how Outcess helps you do it. Fix problems before customers call Don’t wait for complaints. Use event-driven outreach (think: a smart engine that watches for failed payments, abandoned checkouts, or delivery delays) and send one polite, one-tap message to resolve it. A quick retry link after a failed payment or a proactive delivery update calms customers and often saves the sale. Be there when it matters During the holidays your queues spike. Let AI handle routine questions (order status, directions, delivery) so real people can focus on the tricky, emotional calls.  When a human does step in, they’ll have full context — no repeating, no issues.  Keep backstage...
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A Guide To Planning Your Best Event Yet

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The holiday season is a blur of glitter, guest lists and last-minute miracles. As an event manager you juggle venue changes, RSVPs that flip by the hour, vendors who run late, and guests who expect a flawless night.  But, every small failure — a delayed delivery, a botched payment, a missed upsell — is not only a headache but a lost opportunity. So what separates the teams that survive the season from the ones that thrive? The winners treat holiday chaos like a set of predictable moments. They don’t try to control everything; they make the right moves at the right time. Here’s how modern event tech plugs into that flow and makes your job easier, without replacing the human magic that makes an event memorable. First, imagine your systems spotting micro-moments for you. Someone abandons a ticket purchase at checkout? Send one friendly, timed reminder with a payment link and a VIP seat offer and watch the sale come back. That’s what an event-focused engagement engine does: it notices...
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