How AInora works for debt collection agencies
Five stages. Scoping, custom demo, pilot on a live portfolio segment, calibration, then full rollout. Pay per answered call. Built for FCA Consumer Duty, GDPR and the EU AI Act 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 across Latitude, CollectXpert, Debtmaster, Tallyman, C&R and any custom or in-house collections platform you rely on.
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 - 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.
- Pay-per-answered-call pricing starts. No per-seat licence, no minimum dialler hours, no onboarding fees hidden in a multi-year contract.
- 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. Forty-plus native-quality languages on day one, no additional hiring required.
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, court-readiness scoring. Compliance audit trail on demand.
What your team does instead
80% routine contact handled by AI. 15% real negotiation and 5% legal escalation handled by humans, with full AI-prepared briefings.
Real negotiation
Your collectors handle the 15% of cases that need human judgement. Complex restructures, multi-debt households, protracted disputes. The calls where empathy plus authority matters more than throughput.
Legal escalation
The 5% court-track cases go to your legal team with a full behaviour history, recorded contact log and AI-scored court-readiness recommendation. No time wasted on cases that should have been filed months ago.
Strategy and policy
Your managers stop running a dialler floor and start shaping policy. Tone rules, vulnerability thresholds, segmentation strategy, pricing of pay-per-answered calls against client recoveries. Higher-leverage work.
Threshold control
You decide which balances route to AI only versus AI-plus-human. A typical policy: below £500 or €500 is AI-led end-to-end, above that AI handles routine contact and humans 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 where mandated, 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. UK and EU data residency, full audit trail, SOC 2 direction and regular third-party testing.
GDPR data residency
UK and EU data stays in UK and EU. Processing region selected per contract. No third-country transfers without an explicit data processing agreement and a documented lawful basis.
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.
SOC 2 Type II direction
Controls built to SOC 2 Type II principles across security, availability and confidentiality. Formal certification path underway for enterprise clients with procurement requirements.
Penetration testing
Regular third-party penetration testing on the platform, voice layer and integration endpoints. Findings and remediation status available under NDA during procurement.
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 - hear the baseline before we build yours.
Available 24/7. Standard call rates apply.