01
Low contact rate, golden window wasted
M0 early stage isn't reached immediately, missing the easiest collection window.
Essence
Insufficient reach capability, not customer payment inability.
AI Debt Collection Agent
Make Every Collection Reach Closer to Repayment
Cover the M0-M3 cycle | Maximize contact rate | Boost conversion | 100% compliant
Collection Agent · Live Call
6,840 Concurrenciesa
Hello Mr. Wang, your credit card bill of 4,820 RMB for May is 3 days overdue. Please repay via 95588 as soon as possible to avoid affecting your credit score.
U
Oh, I forgot. I'll repay now.
a
Great, I've sent a one-click repayment link to your SMS. The account status will return to normal once paid.
U
Got it, thank you for the reminder.
Intent Score
88
Current Status
Link Sent
CRM Status
✓ Pending
1 Day
Fast Outbound Launch
200+
Industry Templates
Flexible
Billing Method
30%+
Average Conversion Boost
It's not that they won't pay; it's that your collection system is lagging
You don't lack delinquent lists; you lack a high-efficiency, consistent, scalable collection reach framework.
PROBLEM
02
Low effective call rate, diluted labor
High rates of rejections and busy signals make sit-in agent output highly unstable.
Essence
Labor costs rise, but collections output remains a gamble.
03
Rigid strategies, brute force execution
M0, M1, and M2 cases receive identical scripts and frequencies, dragging down efficiency.
Essence
Lack of fine-grained operations makes collection a blunt tool.
04
Unstable human skills, result fluctuation
Repayment results fluctuate with agent mood and skills, preventing scalability.
Essence
Absence of a standardized, repeatable execution process.
05
High compliance risk, rising complaints
Lack of constraints on pitch and call frequency leads to regulatory pressure.
Essence
No system-level control over compliance limits.
06
Unclosed data loop, no strategy optimization
Seeing only final outcomes without understanding 'who is easier to collect or what script works' prevents strategy evolution.
Essence
Decisions depend on gut feeling, not structured data.
Upgrade collections from human labor to systemic capacity
From customer segmentation and strategy execution to feedback loop optimization, build an AI collection machine.
Omnichannel Reach
Automated batch dialing + intelligent retry loops
Prioritizes outreach to capture the golden M0 payment window.
Standardized AI Execution
Identical scripts and logical workflows
Eliminates reliance on unstable agent skills and emotional swings.
Effective Call Recognition
Auto-filter dead lines, busy signals, and irrelevant chatter
Pins down customers with true payment intent.
End-to-End Compliance
Hardcoded compliance scripts and frequency controls
100% call recording audit trail to minimize regulatory complaints.
Segmented Collection Plans
Smart grouping based on M0-M3 stage parameters
Applies targeted frequencies, pitches, and collection velocities.
Data-Driven Continuous Tuning
Aggregated reach-dialogue-repayment data pipeline
Refines strategy dynamically to elevate repayment yield.
AI Collection Agent Scenarios
Spanning key phases from M0 to M3, providing higher certainty of recovery for every account.
M0
M0 Bill Collections
High-volume call-outs covering the critical initial payment window.
Slashes early stage roll-rates and maximizes quick recovery.
Credit
Credit Card & Consumer Loans
Best for high-volume, low-balance, and frequent accounts.
Slashes collection costs through 100% automated agent touch.
M1
Early Delinquency (M1)
Warm, polite warnings and guided payment steps for mild delinquencies.
Captures payments before bad debt escalates.
Fin
Installment & Leasing CSAT
For education, medical aesthetic, and retail installment services.
Secures higher bill fulfillment and dampens write-off build-ups.
M2
Mid-Stage Overdue (M2)
Segmented pitches prioritizing candidates with verified payment willingness.
Allocates expensive resources only to high-value recovery paths.
B2B
Enterprise Receivables
Account age management and B2B invoice collection cycles follow-ups.
Accelerates working capital loops and optimizes cash flow.
Four Technical Pillars of Collection Agent
Not just making calls, but understanding customers, driving conversations, and boosting recovery.
Customer Says
"I will pay that money next Wednesday when I get my salary, can I postpone it by two days?"
AI Semantic Analysis
AI Understood ✓
Customer expresses intent to postpone payment
Intent: Payment ExtensionProduct: Credit CardStage: M1 Early Stage
Intent Accuracy
94%¹
No Keywords Preset
✓
Fuzzy Expressions
Supported
¹ Based on 50,000 collection calls test
True Intent Understanding
No keywords required. Understands ambiguous statements to capture the customer's true repayment willingness.
avavox
Intelligent Routing
Claude
DeepSeek
Qwen
Gemini
ChatGPT
豆包
Grok
● Real-time Routing
7 Models
Orchestration
Intelligent Routing
Milliseconds
Balanced
Natural & Precise
Seven Model Collaboration
Integrated with Claude, DeepSeek, Qwen and 7 major global LLMs. Dynamically allocates models to optimize negotiation yield.
Human-like Chat · 14:23
Latency 380msa
Hello Mr. Wang, your credit card bill of $4,820 is 3 days past due, would you like to discuss the payment schedule?
客
No time now.
a
Understood, can you handle it tonight before 7 PM, or would Friday be more suitable for you?Auto Follow-up
客
Friday.
a
Understood, scheduled a payment reminder for you on Friday, and a payment link will be sent then ✓Sync to CRM
Response Latency
< 500ms
Multi-turn
✓
Voice Cloning
30s
Empathetic Human-like Dialogue
Under 500ms latency, multi-turn dialogs, and automated follow-ups. Clone warm and professional collection voices to increase contact success.
Digital Employee · Closed Loop
From Dials to Recovery
↗ +30% Recovery
Dials
50,000
Connects
38,000
Contacts
24,500
Promises
11,200
Recovered
8,650
Self-optimizing via closed loop data
End-to-End Recovery Funnel
5-stage collection funnel conversion. Accumulates delinquency reasons, payment tags, and strategy assets, yielding an average +30% recovery rate.
Set Up Your Collection Reminder Agent in 3 Mins
Sleek, zero-code workflow. Launch high-pickup, compliant post-loan payment notifications instantly.
01
You Said ▸ AI Assistant
Build an M0 bill reminder agent, firm yet polite, compliance-first...
Script generating28s
312 scripts generated✓ Auto-adapted
Describe Needs in Chat
Just chat to describe your business needs, and AI automatically writes precise scripts.
02
contacts.csv
3,420 contacts · verified
Schedule
09:00 — 18:00 · Workdays
Concurrency200 channels
✓ Setup complete · no IT needed
Import List & Set Schedule
Upload contacts and set call times without any IT intervention.
03
Campaign running
03:24:18Dials
12,840calls
Reach
12,840
Answer
9,650
Promise
1,247
Promise 1,247✓ Sync to CRM
Launch & Real-time Reports
Launch the task with one click and monitor live call data and intent analytics.