How AInora works for debt collection agencies
Five stages. Scoping, custom demo, pilot on a live portfolio segment, calibration, then full rollout. Priced individually after a call. Built to support FCA Consumer Duty, GDPR and EU AI Act obligations from day one.
Typical deployment timeline
Five stages from scoping to scale
A pilot-first deployment model. You test a live portfolio segment before committing to rollout, pricing and compliance framework.
Discovery and scoping
- Understand your portfolio: debt type, volume, jurisdiction mix, debtor cohort behaviour, existing recovery rates.
- Compliance review against FCA Consumer Duty, CONC, GDPR (UK and EU), the EU AI Act and any national overlays that apply to your book.
- Integration scoping for your collections platform, off-the-shelf or in-house: the agent connects through its API or file exports.
Custom demo
- We build a demo with your scripts, your compliance language, your tone-of-voice rules, and debtor scenarios taken from real cohorts in your book.
- Your team tests it before any commitment. Push back on it, claim hardship, threaten complaints, demand escalation, and see exactly how it holds up.
- A generic demo is already live right now. Call +1 (332) 241-0221 and speak to Emma, our debt recovery specialist, to hear the baseline before we tailor one for you.
Pilot deployment
- Limited-scope portfolio segment. One team, one product, one cohort. Live work-queue, not sandbox traffic.
- Priced individually after a call: the pilot scope and terms are agreed in writing before it starts.
- Full transcripts, sentiment analysis, vulnerability flags and promise-to-pay capture available from day one. Every call scored against your compliance matrix.
Calibration and scale
- Review pilot outcomes against a human baseline: recovery rate, cost per recovery, promise-to-pay kept rate, complaint volume and compliance adherence.
- Tone tuning based on debtor cohort performance. First-time arrears, serial avoiders, vulnerable customers and disputed balances each get their own register.
- Expand to additional portfolios, jurisdictions and languages. Each new language is calibrated before it goes live in regulated collections.
Ongoing operation
- 24/7 operation within FCA contact windows and equivalent European rules. No shifts, no overtime premiums, no Monday-morning absence gaps.
- Elastic concurrent capacity per deployment. Spiking portfolios, storm-season utilities, end-of-quarter BNPL waves: the capacity is already there.
- Monthly reporting: full transcripts, vulnerability flags, segmentation analysis, recovery trends, accounts referred for legal review. Compliance audit trail on demand.
Where your team spends its time
AI takes the routine contact your team cannot get to. Real negotiation and legal escalation stay with your people, with full AI-prepared briefings.
Real negotiation
Your collectors handle the cases that need human judgement. Complex restructures, multi-debt households, protracted disputes. The calls where empathy plus authority matters more than throughput.
Legal escalation
Accounts that meet your escalation rules go to your legal team with the full contact history, recorded contact log and transcripts. Your legal team decides which cases to file and when.
Strategy and policy
Your managers spend more of their time shaping policy: tone rules, vulnerability thresholds and segmentation strategy. Higher-leverage work.
Threshold control
You decide which balances route to AI only versus AI-plus-human. For example, small balances can be AI-led end to end, while above your threshold AI handles routine contact and people own negotiation. Your threshold, your rules.
Architecture overview
Six layers that make up a production collections deployment. Everything integrates with your collections platform through standard APIs.
Inbound handling
Debtors calling in reach the AI on the first ring. No IVR menus, no hold music. Identity verification, balance confirmation, arrears options and payment plan capture inside a single conversation.
Outbound scheduling
Campaign cadence aligned to FCA contact windows and equivalent European rules. Intelligent retry logic for unanswered calls. Time-of-day optimisation tuned to each debtor cohort.
Compliance engine
Consent capture, recording disclosure, AI disclosure at the start of the call, FCA Consumer Duty checks, CONC rules and GDPR lawful-basis logging. Every call scored against the matrix in real time.
Vulnerability detection
Real-time signals for financial difficulty, mental health indicators, bereavement and other Consumer Duty vulnerability flags. The call is paused, routed or escalated according to your policy and documented end to end.
Escalation routing
Complaints, disputes, refused engagement and vulnerability disclosures route to a human specialist with a full conversation brief. Zero context loss between the AI and your team.
Reporting layer
Monthly performance reports: recovery rate, cost per recovery, kept-promise rate, complaint volume, tone scores, cohort segmentation. Full audit trail available on demand for regulators and client audits.
Security and compliance
Built for collections procurement: a clear data location, a full audit trail and a DPA that names every subprocessor.
Where data is stored and processed
Data is stored on servers in Germany and Finland. In the standard setup, calls are processed in the EU and the US under GDPR (EU-US Data Privacy Framework, standard contractual clauses). A full-EU setup, with all processing in the EU, is available on request. The subprocessor list is in the DPA.
Audit logs on every call
Every call produces an immutable log: consent captured, AI disclosure delivered, recording notice given, vulnerability flags raised, outcome coded. Regulator-ready export on demand.
Data processing agreement
Every project runs under a DPA with AINORA, MB that names the subprocessors and where data is processed.
Procurement questions
Security questionnaires, DPIA input and vendor due diligence are answered during scoping, before any live data is processed.
Start at stage 2
Call our demo line and speak to Emma, our debt recovery specialist.
Try the affordability conversation, push back, claim hardship, demand escalation, and hear the baseline before we build yours.
Available 24/7. Standard call rates apply.