AI Native
The leading AI debt collection software
This is next era software, AI native from the ground up, fueled by agentic intelligence to automate, adapt, and deliver measurable business value.
AI debt collection software
The real story of AI in collections
Not all AI is created equal. Some platforms slap on “smart” features after the fact, hoping a flash of intelligence will disguise an obsolete core. But true transformation starts so much deeper than that.
With C&R Software's AI debt collection software, intelligence isn’t an afterthought. It’s the foundation, hardwired into every layer.
Why AI native?
Bolting on AI isn't sufficient
Imagine you’re in the market for a car. Would you rather drive a next generation vehicle or try to retrofit a 1990s sedan to include those same capabilities?
Sure, you can connect a GPS display to the cigarette lighter, and you can put a Bluetooth cassette into the CD player to connect to your phone. But that outdated car is never going to be as safe, responsive, or future ready as one designed with those features in mind.
The same holds true for AI in enterprise software. Many vendors “bolt on” AI capabilities to outdated platforms, resulting in fragile, inflexible tools that can’t keep pace with the speed of innovation.
That’s why it’s so important to find a system that’s truly AI native. These solutions are designed and engineered with AI woven into the fabric at every level.
Sure, you can connect a GPS display to the cigarette lighter, and you can put a Bluetooth cassette into the CD player to connect to your phone. But that outdated car is never going to be as safe, responsive, or future ready as one designed with those features in mind.
The same holds true for AI in enterprise software. Many vendors “bolt on” AI capabilities to outdated platforms, resulting in fragile, inflexible tools that can’t keep pace with the speed of innovation.
That’s why it’s so important to find a system that’s truly AI native. These solutions are designed and engineered with AI woven into the fabric at every level.
AI debt collection software in action
Agentic innovation that drives you forward
What does this AI-native approach look like in practice? Real world applications transforming AI debt collection:
AI augmented collections
Meet Zel AI, the AI powered assistant for collections teams. It seamlessly ingests and analyzes massive volumes of data to become your trusted resource for everything collections. No more manual searching or piecing together information. Zel AI summarizes account details, drafts tailored call scripts, surfaces relevant policies, and answers agent queries in real time.
- LLM layer: Powerful language understanding technology via Amazon Bedrock
- Contextual knowledge: Access to documentation, policies, and customer data
- Specialized tools: Purpose built functions for collections scenarios
The impact is obvious from the moment the representative asks for more information.
Collections team doesn't need to look at different fields or go to a UDP to figure out this account. Straight away, Zel AI provides a concise summary that includes the arrears balance, last contact made, information about active insurance, risk classification, overall account status, and more.
The result?
AI agents operate like they've got 10-12 years' experience day one because the large language model is helping them along, telling them what to do.
AI-powered self service
Today’s customers expect immediate, always available service. 67% of them prefer self service over speaking with human representatives.
Cara is a collections chatbot that meets these expectations, providing 24/7 customer support through websites and mobile applications. The AI-native tool:
- Checks account balances
- Makes payments through secure links
- Reviews account information
- Updates contact details
- Creates repayment plans
All without needing to speak with the collections team, resulting in significant cost savings, typically estimated at $10 per interaction.
Governance, transparency, and control
With great power comes great responsibility. As AI takes on bigger roles, you need clear boundaries and oversight. Enter next-gen decision engines and governance controls. FitLogic ensures every AI-native action runs through tested, transparent business rules. Toggle the level of automation at any stage: let the AI drive, require approvals for edge cases, or stay fully manual. It’s all up to you.
With FitLogic, you can:
- Create and modify rules without specialized programming skills
- Visualize decision flows that all stakeholders can understand
- Import and operationalize machine learning models quickly
- Monitor decision performance in real time
- Test new strategies before full deployment
Agentic AI for collections
Ready to go hands-off?
Agentic AI is the autonomous car of the collections world. You set a destination, and it navigates traffic, responds to conditions, and adapts to unexpected events, all without you touching the steering wheel.
A swarm of specialized agents
Giving one AI agent a giant, catch all job creates risk. By splitting responsibilities among a swarm of specialized bots, each becomes a master of its domain.
Consider how it might work in collections.
One bot pulls the customer’s full payment history, another parses current regulations, a third drafts an answer. The agents collaborate to resolve the issue instantly.
For customers, especially those in sensitive situations, the relief of not having to discuss personal finances with a human is real and measurable.
Consider how it might work in collections.
One bot pulls the customer’s full payment history, another parses current regulations, a third drafts an answer. The agents collaborate to resolve the issue instantly.
For customers, especially those in sensitive situations, the relief of not having to discuss personal finances with a human is real and measurable.
Guardrails for compliance and auditability
Agentic AI doesn’t operate in a vacuum. Each agent is tightly bound by business rules and decisioning technology. Think of them as the digital equivalent of traffic lights, speed limits, and crash barriers.
Every action passes through business logic aligned with up-to-date regulations and risk policies. For instance, an agent won't be able to offer a settlement plan outside of approved parameters or contact a customer before statutory waiting periods.
Every action passes through business logic aligned with up-to-date regulations and risk policies. For instance, an agent won't be able to offer a settlement plan outside of approved parameters or contact a customer before statutory waiting periods.
Benefits of AI debt collection software
Less tech debt, more measurable value
C&R Software's AI debt collection software is built with the future in mind. Manage every phase from account onboarding and early intervention through collections, recoveries, and compliance without relying on retrofitted add ons.
Early self cure identification
AI and machine learning tools identify which accounts are likely to self cure ahead of time. By examining a wide range of variables, these models boost prediction accuracy and empower your team to concentrate on more complex customer cases.
Value at risk assessment
Go beyond basic delinquency metrics to evaluate value at risk. AI-powered debt collection software takes various factors into account, including customer behavior and engagement strategies. Forecast conditional probabilities more effectively to optimize outreach strategies.
Streamlined compliance
AI debt collection solutions automate compliance checks throughout the collection process, reducing the risk of human error. Real time monitoring tools ensure all communication adheres to industry standards like TPCA, CASL, GDPR.
Contact strategies and treatment
Advanced AI and analytics optimize contact strategies. Pinpoint the best times, channels, and messaging sequences for reaching out to customers. Maximize the right party contact rate and effectively influence customer behavior to ensure outreach efforts are timely, considerate, and relevant.
Personalized customer care
Engage more effectively with your customers. AI-native pairing matches collection teams with customers who share similar profiles, leading to improved outcomes and shorter call times. Ultimately, these AI debt collection tools streamline the collection process while increasing recovery rates. Delivering high quality care encourages lifelong customer satisfaction and loyalty.
Cure assessment
AI native tech helps you improve offer uptake and reduce charge-offs. Leverage machine learning models to determine whether customers are likely to self cure, or whether it's best to reach out with an offer. Tailor outreach based on the customer's ability and willingness to pay.
Optimized offers
Advanced AI models forecast the most effective pre-charge off offers, customized to meet the unique needs of both you and your customers. By leveraging sophisticated analytics, these AI debt collection tools ensure the offers align closely with customer profiles, enhancing acceptance rates and improving overall outcomes.
Agency placement
Post-charge off decisions are optimized through AI driven models designed to identify the most suitable third-party agency for each account. These tools analyze various factors to ensure the selection aligns with the specific needs of each unique account for more personalized care.
What's next for AI automated debt collection solutions
Built with the future in mind
AI is constantly evolving. So is your business. You need a solution built for continuous change: one that's agile, adaptable, and ready to keep you ahead as the next technology emerges.
We don’t innovate in a vacuum. Through ongoing collaboration with forward thinking clients, we refine and enhance our solutions to ensure every AI advancement drives measurable value in real world debt collection.
Our development priorities reflect a thoughtful, strategic progression:
- Enhancing capabilities through contextual AI assistance
- Developing more sophisticated autonomous functions within existing solutions
- Expanding integration capabilities with external systems and data sources
- Empowering business users with greater configuration control
- Strengthening compliance and governance frameworks
What we're building toward is a level of intelligence and automation that fundamentally transforms how collections work, maintaining the human touch where it matters most.
What to expect
A truly intelligent AI journey
Learn more