Agentic conversations
Opens with empathy, not a demand.
The agent negotiates in real time, within your policy, reading tone and circumstance like a person would, and sets up the plan on the spot.
Agentic Collections AI Beta
Cure delinquency earlier,
preserve relationships.
AI outreach that knows the right time, the right channel, and the right amount of empathy, to get the balance back faster.
Three unified agents. One collections strategy
Collections
Three specialized agents working in concert to reach consumers on their preferred channel at the optimal time.
Day 1 · one member
$85 on the 15th
Voice
SMS
Email
FDCPA OK$85 · 15th
Outbound voice AI agent
Places calls, verifies identity, discusses the account, and captures a promise-to-pay commitment. Escalates to a human when needed.
Two-way SMS AI agent
Handles inbound and outbound texts with STOP/opt-out compliance, sends secure payment links, and routes by intent.
Two-way email AI agent
Manages deliverability safeguards and compliant templates, and keeps the conversation going through member replies.
Prebuilt integrations with your core systems
+ 30 more
+ 30 more
Policy engine
Compliant by design, every time.
Contact frequency caps, quiet hours, channel preference, and regulatory rules enforced automatically on every interaction, with a full audit trail.
Collections
Curing delinquency earlier,
with control.
“Collections has always been one of the most sensitive areas in community banking. Collections was built to help institutions cure delinquency earlier while preserving the member relationships that define credit unions and community banks.”
Srinivas NjayFounder & CEO, interface.ai
Read the story- 2–3xHigher recovery vs. 30-day follow-up cycles
- 20–25%Improvement in delinquency recovery rates
- $2–3MRecoverable for a $2B institution at 1% delinquency
A different conversation for every loan type.
A credit card delinquency needs a different approach than an auto loan or a HELOC.
Negative balance / overdraft
Automated outreach for overdrawn accounts with tailored messaging and payment options.
Credit card
Specialized collections flows for revolving credit delinquency management.
Auto / RV / boat
Secured loan collections with asset-aware conversation scripting.
Personal and installment loans
Flexible playbooks for unsecured and installment loan recovery.
Share/CD-secured and credit builder
Gentle collection approaches for secured savings and credit-building products.
HELOC and home equity
Early-intervention strategies for home equity lines and loans, with optional mortgage support.
Keep exploring
The rest of the stack
Voice AI
Elevate every call with natural AI conversations that are verified, answered, and resolved, not deflected.
Chat AI
The chat that answers, acts, and converts. Grounded entirely in your knowledge base, delivering accuracy and reliability that cuts calls and improves CX.
Employee AI
Empower your team with contextual handoffs, cited answers to their questions, and the power to transact for the customer, all from one system.
Go deeper.
On-demand webinar
Tackling Early Delinquency with AI: The 1–29 DPD Gap
Agentic Collections AI works every account from day one across voice, SMS, and email, with no staffing required and zero marginal cost per attempt. See it live.
Guide · gated
How Agentic AI Is Replacing the Collections Queue
This guide shows how agentic AI is fundamentally changing collections, with data from real deployments showing 2.3x higher recovery rates.