Credit Recovery – AI-Generated Personas as a Strategic Advantage

Imagine your customer receives a message from a collection company that not only offers a simplified solution tailored to their real financial situation, but also uses an empathetic tone that acknowledges their struggles and efforts to resolve the issue—and offers help at any moment. At Intervalor, we use AI to make this a reality. As […]

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 […]

Can Artificial Intelligence Really Create Human Connections?

At first glance, the idea that artificial intelligence can create human connections may seem contradictory. That’s why this article invites you to “look again” at this timely and innovative topic. It’s about strengthening customer relationships and offering service focused on individual needs — with AI as a tool to support and humanize processes, conversations, and […]

Hybrid Collection Model: Maximizing Results Starts with the Journey

A recent article from Consumidor Moderno highlighted Brazil’s delinquency as “a concerning scenario that increases the complexity of the credit and collection market.” In January 2024 alone, over 66.96 million defaulters were registered by the National Confederation of Store Managers (CNDL) and the Credit Protection Service (SPC Brasil). By March, that number had jumped to […]

Emerging Trends in the Collections Market

For several consecutive months, household debt in Brazil has become an urgent issue. According to the Consumer Debt and Default Survey (Peic) by the National Confederation of Commerce of Goods, Services, and Tourism (CNC), in May 2023, around 77.4% of Brazilian families were in debt. Since then, various measures and trends have emerged to modernize […]

Humanized Collections and the Role of Technology

Consumer behavior is constantly changing, so it’s no surprise that the collections market has evolved as well.In recent years, a significant wave of innovative technologies and tools has been driving credit recovery by increasing trust and mediating the relationship between creditors and debtors. Today, let’s talk about some of these technologies and the legacy they […]