When Debt Recovery Becomes Easy



Financial institutions lose about $47 billion every year because collections are slow and messy.

Right now, a single collections agent can only call 200–500 customers a day, works limited hours, and sometimes sounds pushy or inconsistent. The result sees many banks recovering less than 20% of delinquent loans and spending 40–60% of what they collect on the cost of collecting. 

What if there was a simpler, kinder and cheaper way? Walk with me... 

The simple idea

Use AI to do the heavy work. Not to replace people, but to automate routine outreach, make conversations nicer, and set up payments instantly. The platform talks with customers through voice calls, WhatsApp, SMS, and email — in English, Yoruba, Hausa, Igbo and any other preferred language. It can suggest repayment plans, take payments right away, and set up auto-debits. 

All this at a tiny fraction of the cost of traditional collections.

Why this matters 

  • Scale: AI can contact 30,000+ customers a day. Compare that to 200–500 per agent.

  • Always on: The system works 24/7, not just during office hours.

  • Better recovery: Typical recovery rises to 52–65%, versus the usual 15–25%.

  • Cheaper per contact: Around ₦2–₦5 per contact instead of ₦50–₦150.

  • Safe & compliant: Built to meet CBN, NDPR, and ISO 27001 standards and it respects customer do-not-contact rules.

What the platform actually does

  • Multi-channel outreach: It calls, messages on WhatsApp, sends SMS and emails — all working together so customers see one clear message.

  • Smart timing: Reaches customers when they’re most likely to pick up or respond.

  • Personalised offers: The AI suggests realistic repayment plans based on the customer’s profile.

  • Instant payments: Customers can pay immediately via Paystack, Flutterwave, or Remita.

  • Auto-debit: Recurring collection is set up without manual paperwork.

  • Dashboard: Live view of recovery rates, payments, and who needs human help.

The Benefits 

By switching to AI-driven outreach, you can cut collection costs by up to 70% because you rely less on field agents and manual callers. That automation also frees your team to handle only the tricky, high-value cases — saving them more than 90% of the time they’d normally spend on routine follow-ups. With one-click payment links and auto-debit options, cases are closed 30–50% faster, and interactions stay consistent and polite, lifting customer satisfaction into the 80–90% range. 

On top of that, using voice, WhatsApp, SMS and email together means you actually reach far more people, boosting contact coverage and recovery results.

Here’s the How

  • Smart import: Upload your delinquent loan list.

  • AI segmentation: The system groups customers by loan size, behavior, and risk.

  • Multi-channel outreach: Voice, WhatsApp, SMS, and email go out together.

  • Intelligent conversations: AI answers common questions, offers plans, and negotiates simple terms.

  • Instant payment setup: Customers pay instantly or enroll in auto-debit.

  • Seamless escalation: Hard cases are passed to human agents with full context and history.

Rules, privacy and security — Yes, it’s all covered

This setup isn’t a wild experiment. It’s built around regulatory needs: CBN compliant, NDPR certified, and ISO 27001 security. Every interaction is logged so you have a clear audit trail, and customer preferences (like do-not-contact) are respected.

What are you waiting for?

AI-enabled debt recovery makes collections faster, cheaper, and friendlier. It handles routine follow-ups so your agents focus on real conversations where their skills matter. That’s a win for the bank, and for the customer. 

Friendly, efficient, and smart — exactly what we need.

If you want to find out how much more you could collect in 90 days, run a free portfolio assessment. A specialist will look at your numbers and show realistic gains. 

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