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Smart Collections is the first agentic, multi-channel collections solution purpose-built for credit unions and community banks. It coordinates outbound voice, two-way SMS, and two-way email to engage members at every stage of delinquency — from early reminders through late-stage escalation — while respecting member preferences and regulatory requirements.
Total delinquency reported by credit unions in Q3 2025, highlighting the urgent need for smarter collections strategies.
Three specialized agents working in concert to reach members on their preferred channel at the optimal time.
Places calls, verifies member identity, discusses delinquent accounts, captures Promise-to-Pay commitments, and seamlessly escalates to human agents when needed.
Handles inbound and outbound SMS with STOP/opt-out compliance, sends secure payment links, and uses intent detection to route conversations appropriately.
Manages deliverability safeguards, uses compliant templates, and processes member replies to maintain ongoing dialogue throughout the collections journey.
Every loan type gets a tailored collections journey — because a credit card delinquency requires a different approach than an auto loan or HELOC.
Automated outreach for overdrawn accounts with tailored messaging and payment options.
Specialized collections flows for revolving credit delinquency management.
Secured loan collections with asset-aware conversation scripting.
Flexible playbooks for unsecured and installment loan recovery.
Gentle collection approaches for secured savings and credit-building products.
Early-intervention strategies for home equity lines and loans, with optional mortgage support.
A single platform that combines policy, orchestration, AI, self-service, and quality assurance.
Enforce contact frequency caps, quiet hours, channel preferences, and regulatory rules automatically across every interaction.
Design multi-step, multi-channel collection journeys that adapt based on member behavior and payment status.
AI agents that understand context, negotiate payment arrangements, and make real-time decisions within policy boundaries.
Non-technical staff can configure journeys, templates, and policies without engineering support.
Every interaction is scored for compliance, tone, and effectiveness — surfacing coaching opportunities automatically.
Empower your collections team with intuitive tools — no engineering tickets required.
Pre-built integrations with the core platforms your institution already runs.
See how Smart Collections can help your institution reduce delinquency, increase payments, and preserve member relationships.
