AI-Powered Digital Collections for Banks
Automate early-stage delinquency, reactivate charged-off portfolios, and centralize your collections operation on an AI infrastructure purpose-built for financial institutions.
Industry leaders already run their collections operation with us.
Overcome today's banking challenges in debt collection
We understand the barriers banks face when trying to improve recovery performance:
1
Declining contact rates
2
High operational costs in call centers
3
Fragmented processes across channels
4
Lower customer willingness to pay
5
Charged-off portfolio losses
6
Regulatory and audit compliance requirements
AI Collections Infrastructure Built for Banking
We combine automation, specialized AI, and an operational model adaptable to each bank’s internal policies.
AI Prioritization
Determine which customers to contact first based on payment probability, historical behavior, repayment capacity, and risk signals.
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Fully Automated Early Delinquency Workflows
Reminders, renegotiations, payment promises, and payment flows — without manual intervention.
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Intelligent Negotiation for Charged-Off Portfolios
Discounts, payment plans, and settlement agreements integrated directly into your core banking systems.
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Enterprise-Grade Scalability
Manage millions of daily interactions without increasing your operational headcount.
Measurable Results with Leading Banks in the Region
Our AI infrastructure is already delivering measurable improvements for financial institutions across Latin America. See how Banco Santander improved recovery performance with Colektia.
Banco Santander Results
78% retention rate
vs. 75% with human agents
USD 25,000
in additional recoveries
3.6x savings
in operational management costs
The Challenge
High operational costs and low efficiency in early-stage collections managed by external agencies and human agents.
The Test
Controlled experiment: 6,000 accounts managed with AI vs. 6,000 accounts managed by traditional collection agencies during the same period.
Key Use Cases for Financial Institutions
Intelligent Prioritization
Do not treat every account the same. Our AI identifies who is likely to pay with a simple reminder and who requires immediate intervention, allowing your team to focus only on high-risk cases.
Omnichannel Communication
Personalized communications based on timing, tone, and each customer’s preferred channel (WhatsApp, email, IVR, SMS).
Automated Payment Promises and Reminders
Workflows that manage payment promises, confirmations, and follow-ups without human intervention.
Reactivation of Aged Accounts
Identify which customers still show recovery potential and determine the best recovery strategy for each case.
Automated Negotiation
AI-driven negotiations based on realistic agreements, supported by data and aligned with internal collection policies.
Smart Escalation to Human Agents
Complex cases are automatically reassigned to call center agents only when human intervention adds value.
Your Collection Operation Unified in One Place
Eliminate fragmentation between digital channels, call centers, agencies, and internal systems. Unify channels, data, and operations into a single coordinated workflow.
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Omnichannel Orchestration
Messages delivered through the channel with the highest probability of response.
2
Digital Agents
Automated reminders, renegotiations, and follow-up management.
3
Automated Workflows
Collections processes tailored to your business rules and internal policies.
4
Intelligent Portfolio Assignment
Prioritization based on risk and payment probability.
5
Data Hub
Centralized information for faster, more informed decision-making.
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Real-Time Insights
Clear operational metrics to optimize recovery performance day by day.
Why choose Colektia for bank debt collection
+7 Years
Building AI-driven collections infrastructure across Latin America.
Enterprise-Ready Operations
Infrastructure designed for high-volume telecom and financial operations.
Venezuela
Costa Rica
Ecuador
Mexico
Chile
El Salvador
Colombia
Peru
Dom. Rep.
Panama
Guatemala
Spain
+12 countries
Operations and experience across Latin America.
Committed to Your Security
ISO 9001
Quality Management
Continuous improvement and operational standardization across all internal processes.
ISO 27001
Information Security
Comprehensive protection of confidentiality, integrity, and availability of data.
SOC REPORTS
SOC Reports (Service Organization Control)
Independent audits that validate our security controls and operational best practices.
Frequently Asked Questions
Does Colektia comply with banking security and audit requirements?
Yes. Our infrastructure provides full traceability, role-based controls, auditable logs, and security standards commonly required by financial institutions. This has enabled us to work with organizations such as Santander, Banco Falabella, and NuBank, among others.
How quickly can banks see collections results with Colektia?
Banks working with Colektia typically achieve significant improvements in recovery rates and cost reduction within the first 6 to 8 weeks.
Do I need to expand my team to operate with Colektia?
No. The AI automates a large portion of the workflow and only escalates cases to human agents when human intervention truly adds value.
Generate Better Recovery Outcomes
Increase Banking Recovery Performance with AI-Powered Collections Infrastructure
Let’s talk about how our AI infrastructure can improve your recovery results within the first few weeks.
