The AI agent that outperforms your call center

Manage your portfolio autonomously: it decides who to contact, when, and through which channel — no human intervention, no lost context across channels.
Leading companies already managing their collections with us
OpenbankNacional Monte de PiedadRapiCreditCashea

Results that impact your operation

Results
Up to 54%
Reduction in operational costs
vs. a human call center.
75%
increase in contact rate vs. traditional channels
+25%
higher recovery rate with full automation
30 Days
Measurable net ROI from the first month
+2k
Simultaneous conversations with no degradation or lost context
500k
Daily interactions · Go-live in under 3 weeks
Channels

All channels. One infrastructure.

The agent keeps full context even when your customer switches channels. If they start on a call and reply via WhatsApp, the conversation picks up right where it left off. No repetition. No friction.
WhatsApp
Intelligent async messaging
Voice
Natural AI-powered conversation.
Email
Agreements, settlements, and follow-ups.
SMS
Reminders and quick activations.
Use cases

Automate every stage of your portfolio

1

Pre-due date

Personalized mass reminders The agent reaches out before the due date with the right message, on the right channel, at the moment most likely to get a response.

2

Early-stage collections · Day 0–15

High-contact early-stage collections Up to 60% containment in the first 15 days. The agent acts fast and precisely where recovery cost is lowest.

3

Late-stage collections

Negotiation and payment agreements Captures payment promises, sends settlement letters, and closes agreements autonomously. Escalates to a human agent when needed.

4

Follow-up

Broken promise re-engagement Automatically detects a broken payment promise and triggers a re-contact flow — no manual intervention required.

5

Inactive accounts

Reactivation of inactive accounts Re-engages accounts with no prior contact by using each debtor's historical profile to select the most effective channel and tone.

6

Post-collection

Payment confirmation and satisfaction Confirms received payments and sends automated satisfaction surveys, closing the cycle with no added workload for your team.

Comparison

The AI collections agent that outperforms call centers

The same collection process, three ways of executing it. The difference lies in the context, autonomy, and continuity.
Colektia AI Agent
Traditional bot
Human call center
Debtor context
Full accumulated history
None or limited
Depends on the agent
Channel and timing decision
Automatic, AI-driven
Fixed by rule
Manual
Cross-channel conversation
Unified thread
No
No
24/7 operation without variability
No shifts, no absenteeism
Partial
No
Continuous learning per portfolio
Yes, per client
No
Limited
Human handoff with context
Full context preserved
No
N/A
Enterprise compliance
Dedicated AWS · ISO 27001
Varies
Varies
How it works

How the AI decides every interaction

Each case follows the same logic: understand the debtor, decide on the strategy, execute and learn, and escalate only when necessary.
Analyzes your debtor's profile
Payment history, previous promises, broken commitments, propensity to pay, and accumulated behavior over time.
Defines the optimal strategy
Combines the debtor's context with Colektia's operational expertise to determine the right channel, tone, and timing.
Executes and learns from your portfolio
Handles the conversation autonomously and logs the outcome. Every interaction improves the precision of the next one.
Escalates when your case calls for it
For sensitive situations or complex negotiations, it hands off to a human agent with full context intact. The debtor never has to repeat themselves.
Security & compliance

Enterprise-level security

Infrastructure isolated by client, data under your control, and certifications backing every interaction.

Dedicated AWS environment per client
No multi-tenant architecture. Each client runs on its own independent, scalable environment.
Zero Data Retention with LLMs
Client data is never used to train external models. Full control over which provider processes which data.
Encryption in transit and at rest
Every interaction is fully traceable, supporting audit trails for quality and regulatory compliance.
Operations in 12+ countries
Latin America and Europe, adapted to local regulatory frameworks including LFPDPPP, CNBV, and regional financial regulations.
Saber más sobre seguridad
ISO 27001
ISO 9001
NIST 2.0
CNBV
Trust and compliance
Colektia implements rigorous measures regarding product and infrastructure security, monitoring, reliability, compliance, and privacy to keep your data protected. We maintain active ISO 27001 and ISO 9001 certifications, alignment with NIST 2.0, and compliance with CNBV regulations in every country where we operate.
Learn more about security
generates better results

Transform your collections with artificial intelligence

Talk to the Colektia team and see how the AI agent can improve your operation in under 8 weeks.
Talk to an expert
OpenbanckNacional Monte de PiedadRapiCreditCashea
OpenbanckNacional Monte de PiedadRapiCreditCashea
OpenbanckNacional Monte de PiedadRapiCreditCashea