Leverage loan collection performance with Debt Collections Bot

Automate all aspects of a default management process, reducing collections cost and delivering a more attentive interaction


Debt collection agencies encounter inefficiencies in extending customer coverage along with raising staff and mobile service costs


The smart bot makes up to a million texts and calls a day, informs defaulters about their debts, and makes sure payments are on their way


The bot automates the debt collection process, saving up to 50% on agents. In this way, organisations get a higher conversion rate and extra revenue

Fight defaulting while maintaining excellent customer service

The Debt Collections Bot deals with debtors much faster and 35% cheaper than agents

The bot uses voice, SMS, WhatsApp, and Telegram apps, enabling debtors to communicate with an agency over the channels they feel most comfortable with.

It can show empathy by responding in a more supportive manner after analysing the debtor's emotions.


call centre costs reduction


of debts are paid off after the conversation with the bot


of debtors listen to the bot until the end of the call


while agents can handle only 100 calls/day

Provide utmost flexibility in debts recovery

Improve loan repayment rates

Clients with arrears are usually reluctant to talk openly about their debts, ignoring messages and calls from debt collectors. Knowing that it is a robot they are speaking to, customers will feel less pressured

Take the load off collection managers’ duties

A single 24/7 operating collections bot can replace the entire contact centre. Designed specifically for a variety of debt collection practises, it has script samples and debtor status lists

Automate customer coverage

Automate your existing default management process by creating custom call flows. Make decisions based on the data collected by the bot, getting real-time results

Manage debt recovery with better efficiency

The virtual assistant initiates automated debt collection calls to late-paying customers

Reimagine the debtors journey with AI

Compliance with the law

Ensuring compliance with asset receivables collection laws in a heavily regulated industry is an ongoing process. Debt Collections Bot scripts comply with all established laws and regulations of the FCA and CSA

Omnichannel collections

The bot can interact in a text or voice channel convenient for the debtor. It engages in a dialogue with the customer, confirming payment dates, and providing answers to frequently asked questions

Human-like dialogue

The phrases and details a smart bot mentions, as well as its reaction to interjections, create the sense of communicating with a real person

Data gathering

During the conversation, the bot collects data like the status of the dialogue and the client's responses, allowing it to aggregate and visualise the necessary data. Can be integrated with your CRM


Outbound calls






Trained & live on the line in 4 steps


Collaborative work to identify user requests and develop tailor-made scenarios


We train the bot and add recorded replicas with the voice of your choice


We deploy the bot to channels and test outbound communication with a group of real users


We improve the bot and add new intents according to user feedback

Debt Collections Bot generates significant value and boosts performance


Reduction in human error


Increase in efficiency


Increase in debt recovery

Want to learn more? Get our free report on the UK debt collection industry

AI debt collection software allows companies to automate debt collection strategies, while also staying within the ethical framework and providing a human-like approach.

UK households are facing a cost-of-living crisis. In July 2022, the annual rate of inflation reached 10.1% and it is expected to peak at 13% in early 2023. This is why companies using any AI solution for debt collection, such as a loan bot or smart IVR, have to focus on customer empathy first and foremost today.

AI and debt collection combine to help companies be as courteous as possible to people in a predicament, while still focusing on recovery.


UK Debt Collection Industry:

Stats, Practices and AI-powered automation

Get your copy

Please fill in the form to get your free copy





Download PDF

Get a demo

Please tell us about yourself and we’ll get back as soon as we can.


Business email

Company name

Work phone


Contact Us

Please, fill in the form and we will contact you shortly.


Business email

Company name


Thank you for reaching out!

We appreciate you contacting Tovie AI and will get back to you as soon as we can.

Obrigado por estender a mão!

Agradecemos o seu contato e entraremos em contato o mais rápido possível.

Thank you for reaching out!

We appreciate you contacting Tovie AI and will get back to you as soon as we can.