AI in Credit Recovery – Advantage or Threat to the Market?

A inteligência artificial (IA) está transformando a maneira como as empresas de recuperação de crédito e cobrança operam, trazendo eficiência e personalização aos processos de cobrança de dívidas e pagamentos. A utilização da IA vai além da simples automação de tarefas; ela é uma ferramenta poderosa que beneficia tanto os negócios quanto os clientes. Seu papel no mercado está em constante evolução, mas já traz possibilidades significativas para agilizar negócios e resultados, é claro. Leia mais e confira.

Reducing Delinquency and Operational Costs

The implementation of AI in credit recovery processes can reduce delinquency rates by up to **30%**¹ and operational costs by up to **50%**², according to several studies. The multiple ways AI can be applied allow companies to enhance results throughout the entire customer journey:

Data Analysis
(of large volumes of data) with speed and precision — including history, financial transactions, payment patterns, customer behavior, and other relevant factors. These insights can guide negotiations, identify potential customers, and even uncover opportunities that would otherwise go unnoticed.

Predictive Modeling
To anticipate delinquency cases and enable proactive strategies — such as customized payment plans — that mitigate risk and foster closer customer relationships before any conflict arises.

Suspicious Pattern Detection
To prevent or identify fraud. This includes unusual payments, requests outside business hours, or atypical transactions.

Automation of Collection Processes
Through customizable strategies that humanize the customer experience and accelerate operational steps, such as payment reminders, pre-approved negotiations, and support via virtual assistants.

Personalized Service
By using scalable debt collection strategies with a focus on each customer’s unique needs. Want to know more? Check out our article on personas.

Using Data to Flip the Game — In Your Favor

Accurate behavioral data collection and AI-powered analysis allow businesses to dive deeper into what consumers need. At Intervalor, we believe it’s impossible to think about AI without a customer-centric approach — one doesn’t exist without the other in our strategies. The right combination of data, strategy, and tone of voice helps personalize interactions and speeds up credit recovery. In fact, some companies have already managed to recover over 35% of debts³⁻⁴ by doing just that.

This is possible because negotiations become more precise, based on real needs, and consumers feel respected and understood throughout the entire process. And for us, that’s what flips the game.

We believe AI will continue to play a crucial role in transforming the credit recovery market. Cold, impersonal collection efforts are a thing of the past. Even better, we’ve strengthened our human connections thanks to services supported by artificial intelligence. Want to understand how? Read our next article.

Sources:

1.  McKinsey & Company. “The Future of Customer Experience: Personalized, Predictive, and Seamless.”

2.  Deloitte. “AI-powered Debt Collection: How to Optimize Your Collections Strategy.”

3.  Harvard Business Review. “How AI is Transforming the Future of Credit and Collections.”

4.  Forrester Research. “The Impact of AI on the Financial Services Industry.”