Banking Collections

    Lower Delinquency. Faster Recovery.

    AI agents calling, messaging, and emailing delinquent customers across every channel. Promise-to-pay captured, follow-ups automated, compliance enforced. Built for the way modern banks actually collect.

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    Voice, WhatsApp, email orchestrated
    Promise-to-pay auto-logged
    RBI Fair Practices aligned
    Every conversation audit-logged
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    Outreach Channels

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    Audit-Logged

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    Continuous Outreach

    Auto

    PTP Tracking

    Anatomy of a Recovery

    One Customer. Twenty-One Days. Full Recovery.

    A real recovery sequence, frame by frame. From the first soft reminder to the final confirmation, every channel choreographed.

    WhatsApp
    Hi Mr. Sharma, friendly reminder: EMI of ₹4,500 due 18 Mar. Pay now: [link]
    DAY 1 · SOFT REMINDER
    Channel: WhatsApp · Tone: Friendly
    OUTBOUND · 01:23
    Is this a good time to talk about your overdue payment?
    Yes, but I can only pay by Friday
    PROMISE-TO-PAY CAPTURED
    DAY 3 · VOICE FOLLOW-UP
    Channel: Voice · Tone: Direct
    Mar 2026
    MTWTFSS12345678910111213141516171819202122232425262728293031
    Fri 21 Mar
    PROMISE-TO-PAY · MISSED
    Action: escalate to formal notice
    DAY 7 · FORMAL NOTICE
    Channel: Email · Tone: Formal
    I lost my job. Can we work out a plan?
    We can split into 3 instalments of ₹1,500 each over 90 days.
    Yes, that helps
    Plan confirmed. First instalment due 20 Apr.
    DAY 10 · PAYMENT PLAN AGREED
    Channel: Chat · Tone: Empathetic
    80%
    ₹1,500 received
    Instalment 1 of 3
    DAY 14 · FIRST INSTALMENT PAID
    Channel: Auto-debit · Status: Success
    Recovery complete
    ₹4,500
    Customer retained
    Account in good standing
    DAY 21 · RECOVERY COMPLETE
    Outcome: Full recovery, customer retained

    Every step configurable to your bank's collections policy and customer segment risk profile.

    Live Recovery Floor

    What Your Recovery Operation Looks Like, Today.

    Multiple AI agents working in parallel. Hundreds of conversations in flight at any moment. All audit-logged, all compliant, all visible.

    Live Operations
    47 ACTIVE · 1,284 RESOLVED TODAY
    c_8d22TALKING
    ...I can pay by Friday if you give me until...
    AGENT-V0300:47
    c_4f81TYPING
    Customer is reviewing the payment link...
    AGENT-W0200:12
    c_6a14PTP CAPTURED
    Promise-to-pay ₹3,200 by 25 Mar 2026
    AGENT-V0702:14
    c_2c19DELIVERED
    Formal notice sent, awaiting customer response
    AGENT-E0101:33
    c_9b47PLAN AGREED
    3-instalment plan confirmed, first due 20 Apr
    AGENT-C0404:21
    c_1f33ESCALATED
    Customer dispute, routing to human team
    AGENT-V0503:08
    c_5d92DIALING
    Initiating soft reminder sequence
    AGENT-W0800:03
    c_7e26PTP CAPTURED
    Payment confirmed via email reply
    AGENT-E0300:58

    Real conversations happening now. Real promises captured. Real audit trail per second.

    The Moment It Matters

    A Promise. Captured. Logged. In Three Seconds.

    Watch how a single promise-to-pay flows from spoken word to legal record, in real time.

    01 · SPOKEN

    ""

    Every spoken promise. Captured cryptographically. Backed by audio. Defensible in court.

    Live Demo

    Hear the Agent Close a Recovery.

    A complete AI collections call from dial to promise-to-pay capture. No script. Just listen.

    Demo recorded with a production collections agent. Customer details anonymized.

    Compliance Shield

    Every Call Cleared. Before It Even Dials.

    Configurable compliance rules enforced automatically. RBI Fair Practices, DND, opt-out, time-of-day, recording disclosure. Every rule checked before the call connects.

    PRE-CALL VERIFICATION
    Time-of-Day Compliance
    Within RBI permitted hours (08:00-19:00)
    CHECKING
    DND Registry Check
    Customer not in National Do Not Disturb list
    CHECKING
    Opt-Out Status
    Customer has not opted out of collections outreach
    CHECKING
    Recording Disclosure
    Auto-disclosure script ready in customer language
    CHECKING
    Customer Identity Verify
    Voice OTP or knowledge-based authentication ready
    CHECKING
    CALL DISPATCHED

    Non-compliant outreach is blocked at source. Every check configurable per jurisdiction and bank policy.

    Built for Collections

    Why Banks Choose Fluid AI.

    Production-grade AI built for the compliance, security, and scale that banking collections requires.

    Compliance enforced at source
    Every call checked against RBI Fair Practices before it dials. DND, opt-out, time-of-day. Blocked at source.
    Orchestrated across channels
    Voice, WhatsApp, email, chat. The agent picks the right channel for the moment and the customer segment.
    Every promise, legally captured
    Cryptographically signed, tamper-evident, court-defensible audit trail. Date, amount, channel, audio hash.
    Frequently Asked

    Frequently Asked Questions.

    Ready to Reinvent Collections?

    Talk to our banking team about deployment, integration, and the business case for your collections operation.

    Book a Demo

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