Accelerators

Autonomous Collections & Recovery: Smarter, Adaptive Debt Resolution

Business Challenge

Debt recovery processes in most financial institutions are outdated. They rely on manual, one-size-fits-all approaches that don’t consider customer behavior or risk levels. This leads to poor recovery rates, higher costs, strained customer relationships, and regulatory risk.

Kaara's AI-Driven Recovery Engine

Kaara enables a smarter, automated approach to collections and recovery:

  • Predicts the likelihood of default for each customer based on past behavior, credit history, and third-party data.
  • Selects and executes personalized recovery strategies — choosing the right channel, message, timing, and offer.
  • Escalates complex or sensitive cases to human agents with full context.
  • Ensures all actions follow compliance rules and legal boundaries.

How Kaara One Frameworks Work Together

01/

Nebula

Orchestrates customer segmentation, risk scoring, strategy selection, and outreach coordination.

02/

Contiqa

Pulls data from credit scores, transaction histories, payment records, and external bureaus to give full behavioral context.

03/

Harmonix

Routes complex or sensitive cases to collection agents, equipped with AI recommendations and case history.

04/

Argus

Prevents policy violations or legal exposure by reviewing action strategies for compliance.

05/

Synthia

Learns which recovery paths lead to higher repayment success, improving future strategy recommendations.

06/

Lumina

Tracks collection performance, customer sentiment, agent efficiency, and financial impact metrics.

Enhanced by Cypher & Document Intelligence

  • Cypher: Provides predictive insights on which customer profiles are likely to respond to which type of recovery strategies, increasing effectiveness.
  • Document Intelligence: Validates KYC documents, payment agreements, and communication logs; automates extraction of critical data to support recovery decisions.

Outcomes and Impact

Outcomes and Impact

Outcomes and Impact

  • Benefit

    What You Can Expect

  • Revenue Recovery

    Higher recovery rates through adaptive, data-driven strategies

  • Customer Experience

    Non-intrusive, personalized outreach that respects customer context

  • Operational Efficiency

    Reduces manual effort and improves collections team productivity

  • Regulatory Confidence

    Every action is compliant, auditable, and explainable

  • Continuous Learning

    Improves over time as SYNTHIA and Cypher optimize strategy paths

Ready to Deploy?

Kaara's Autonomous Collections & Recovery Orchestration solution is ready to help institutions boost recovery, lower risk, and preserve valuable customer relationships — all with smarter, self-learning AI.