AI for Collection Agencies
One shared memory for every debtor. Smarter interactions, higher recovery rates.
Moveo connects your outreach, negotiation, and compliance teams into one intelligence layer. AI agents that know why the debtor stopped paying before the first message is sent. Whether your debtor data lives in three different systems or three different spreadsheets, the result is the same: no team has the full picture. Moveo fixes that.
19x
ROI on collections
+76%
recovery improvement vs. traditional chatbots
2x
more effective than legacy chatbots
29%
of payments completed in 10 days
Results from the field
Proven with one of the largest Telco companies in Latin America.
Our partnership with Moveo.AI has been crucial in driving innovation in the Brazilian market. Together, we created an AI agent for one of the largest Telco in LATAM, automating and scaling its debt collection efforts. A solution twice as effective as traditional chatbots.
Moveo's AI agents proactively contact debtors via voice, SMS, and digital channels, using a proprietary LLM fine-tuned for collections conversations. The agents inform, negotiate, and generate payment links in the same interaction. Goal-oriented AI that moves from notification to payment in a single conversation, with 2x the effectiveness of traditional chatbots.
What Moveo delivers
Full account lifecycle context across teams.
Every signal is captured in real time, every action governed by your policies, and the next best move decided automatically.
When an account holder asks for a settlement, collections already has the history. When support logs a dispute, compliance suppresses the next outreach.
Always-on memory
Cross-team
Real-time
Policy enforced, every step logged
Actions check against your frameworks, fire, and log with a trace ID. Regulator-ready everywhere.
TruePath
Every channel, same memory
Account holder switches from chat to a call; the agent continues seamlessly with full context.
Compounding intelligence
Every conversation sharpens the next. Patterns connect and the system grows smarter with each interaction.
Channels and integrations
Wherever the debtor reaches out.
One memory behind it all.
Voice
AI-assisted calls for complex negotiations, RPC verification, and smart handoff with full debtor context
SMS / RCS
Payment reminders, self-service payment links, and notification triggers with compliance guardrails
Web Portal
Self-service payment portal where debtors check balances, negotiate, and pay on their terms
Compliant notifications, payment confirmations, and follow-up sequences
WhatsApp & Messaging
For markets where messaging drives debtor engagement, including broadcast outreach, negotiation, and payment links
Connects to your existing stack
No migrations. Moveo adds the intelligence layer on top of the tools you already run. Via API and native connectors.
Works alongside your existing CRM and collection platforms. Moveo handles the digital channels while your agents handle the complex cases. Live in weeks, not quarters.
See it across thousands of active accounts.
Book a 30-minute session. We'll walk through the collections scenarios that map to your operation, from settlement negotiation to hardship request, not a generic demo.
FAQs
How does Moveo compare to traditional chatbots in debt collection?
Moveo's AI agents are 2x more effective than traditional chatbots in debt recovery, proven at scale with 200K+ monthly conversations for a major LATAM Telco. The difference comes from context: Moveo agents know the debt origin, previous negotiations, and debtor preferences before the first contact. They inform, negotiate, and generate payment links in the same conversation.
How does Moveo handle FDCPA and Reg F compliance in collections?
TruePath encodes FDCPA, Reg F contact limits (7 attempts in 7 days), TCPA consent rules, and state-specific regulations. Every contact is verified against these rules before it fires. Every interaction is logged with full audit trail. When rules change, the update applies to all interactions instantly.
Can Moveo handle WhatsApp broadcast for debt collection at scale?
Yes. Moveo's broadcast capabilities were proven with a major LATAM Telco, reaching 200K+ users per month via WhatsApp. The AI agents use a proprietary LLM optimized for Portuguese to deliver personalized messages that inform about the debt, negotiate terms, and provide Pix payment links in the same conversation flow.
How does Moveo support the pre-legal and legal collections process?
TrueThread preserves a complete, timestamped interaction trail for every debtor: every contact attempt, every response, every negotiation, every promise to pay. When an account escalates to legal collections, the evidence trail is already documented by design. TruePath ensures that every pre-legal step followed the required regulatory process, providing audit-ready documentation for legal proceedings.
How long does it take to deploy Moveo for a collection agency?
Most agencies start with SMS outreach or voice for one portfolio and go live in weeks, not months. Moveo connects to your existing CRM via API. Each new portfolio or channel deployment builds on the previous one as TrueThread accumulates debtor context and improves recovery quality.