AI Collections Management
Cure more accounts at lower cost with risk-based segmentation, orchestrated multi-channel outreach and Copilot-supported agents.
Overview
BancoOS orchestrates the collections strategy across channels, ML segments and human agents, with promise-to-pay tracking and recoveries analytics.
Industry challenges
- Blanket call campaigns waste capacity.
- Best-time-to-contact ignored.
- Channel choice not personalised.
- Agent hand-off loses context.
The BancoOS solution
Risk-scored segmentation, orchestrated channels, Copilot-supported agents and champion-challenger testing on live populations.
Workflow diagram
Business outcomes
- 10–25% cure-rate uplift.
- 20–40% lower cost per collected VND.
- Compliant, controlled customer treatment.
- Full analytics on strategy performance.
Integrations
Dialler, CRM, mobile banking, Zalo/SMS gateways and core banking.
Security & compliance
Contact-frequency guardrails, consent management, tenant isolation, encryption and in-region hosting.
Frequently asked questions
›What does AI add to collections?
Risk-based segmentation, best-time-to-contact, channel/message optimisation, promise-to-pay tracking and self-service repayment nudges.
›Which channels are supported?
SMS, Zalo, email, IVR, mobile banking notifications and agent outreach — orchestrated on one workflow.
›How are segments built?
ML models score cure likelihood using bureau, transaction and behavioural data, with feature-level explainability.
›Does BancoOS handle legal and write-off workflows?
Yes. Late-stage workflows include legal referral, write-off approval and recoveries tracking with audit trail.
›Can we A/B test strategies?
Yes. Champion-challenger testing runs on live populations with statistical guardrails.
›How is customer treatment compliant?
Contact frequency, timing and content rules are enforced at the platform layer to align with SBV consumer-protection expectations.
›Does BancoOS integrate with our dialler and CRM?
Yes. Standard integrations with major diallers, CRM and case-management systems.
›Is Copilot available to agents?
Yes. Agents get contextual next-best-action prompts and can query customer history in natural language.
›How long to deploy?
8–12 weeks for the first portfolio; additional portfolios follow.
›What ROI do banks see?
Typical results: 10–25% uplift in cure rates and 20–40% reduction in cost per collected VND.
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