PT
PT

Humanized AI Debt Collection and Repayments

Turn delinquencies into timely payments with goal-oriented GenAI agents that turn "I forgot" into "Paid Today".

80%

improved recoveries compared to chatbots

20%

increased recovery compared to financial care agent

5x

Reduction on cost per dollar collected

Impulsionando resultados para os nossos clientes

Impulsionando resultados para os nossos clientes

Connect to Content

Add layers or components to infinitely loop on your page.

Connect to Content

Add layers or components to infinitely loop on your page.

Utilidades em Alta

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Banking e Serviços Financeiros

Transformando Cobranças com o Broadcast: Caso de Uso de Sucesso

Descubra como a Mobi2buy melhorou a cobrança de dívidas de uma das maiores
empresas de telecomunicações da América Latina. Ao utilizar abordagens proativas e conversas impulsionadas por IA, eles alcançam 200 mil usuários por mês, com 51 mil deles pagando suas dívidas.

CEO

Mobi2buy

Nossa parceria com a Moveo.AI tem sido crucial para impulsionar a inovação no mercado brasileiro. Juntos, criamos um agente de IA para uma das maiores empresas de telecomunicações da América Latina, automatizando e escalando seus esforços de cobrança. Uma solução duas vezes mais eficaz que os chatbots tradicionais.

Mobi2buy

Software company

CEO

Mobi2buy

Nossa parceria com a Moveo.AI tem sido crucial para impulsionar a inovação no mercado brasileiro. Juntos, criamos um agente de IA para uma das maiores empresas de telecomunicações da América Latina, automatizando e escalando seus esforços de cobrança. Uma solução duas vezes mais eficaz que os chatbots tradicionais.

Mobi2buy

Software company

CEO

Mobi2buy

Nossa parceria com a Moveo.AI tem sido crucial para impulsionar a inovação no mercado brasileiro. Juntos, criamos um agente de IA para uma das maiores empresas de telecomunicações da América Latina, automatizando e escalando seus esforços de cobrança. Uma solução duas vezes mais eficaz que os chatbots tradicionais.

Mobi2buy

Software company

Achieve Higher ROIs in Collection

15x ROI

was achieved by a large Telco through Moveo recovering $15 for every $1 invested

60% more likely
to pay

was achieved by a large Telco through Moveo recovering $15 for every $1 invested

16x ROI

was achieved by a Debt Management Company, recovering €60K by messaging 35K long-overdue customers

How the Debt Collection AI Agent Works

How Moveo.AI fosters payment culture in collections

Reminders & Follow-ups

Timely. Personalized. Efficient.

AI agents engage customers with proactive, reminders and follow-ups, helping reduce late payments, minimize risk, and support a healthier payment culture. The result: improved customer experience and stronger financial outcomes

Payment negotiations

Promise to Pay

Acknowledgement of payment

Reminders & Follow-ups

Timely. Personalized. Efficient.

AI agents engage customers with proactive, reminders and follow-ups, helping reduce late payments, minimize risk, and support a healthier payment culture. The result: improved customer experience and stronger financial outcomes

Payment negotiations

Promise to Pay

Acknowledgement of payment

Reminders & Follow-ups

Timely. Personalized. Efficient.

AI agents engage customers with proactive, reminders and follow-ups, helping reduce late payments, minimize risk, and support a healthier payment culture. The result: improved customer experience and stronger financial outcomes

Payment negotiations

Promise to Pay

Acknowledgement of payment

Reminders & Follow-ups

Timely. Personalized. Efficient.

AI agents engage customers with proactive, reminders and follow-ups, helping reduce late payments, minimize risk, and support a healthier payment culture. The result: improved customer experience and stronger financial outcomes

Payment negotiations

Promise to Pay

Acknowledgement of payment

Bob Grant

Seattle, WA

0 points

Credit Card

Overdue Period: 7 months

Outstanding Amount: $357.22

Last Payment: 01/02/2025

Last Payment Amount: $58

Bob Grant

Seattle, WA

0 points

Credit Card

Overdue Period: 7 months

Outstanding Amount: $357.22

Last Payment: 01/02/2025

Last Payment Amount: $58

Bob Grant

Seattle, WA

0 points

Credit Card

Overdue Period: 7 months

Outstanding Amount: $357.22

Last Payment: 01/02/2025

Last Payment Amount: $58

Colete dívidas de forma mais inteligente com Agentes Inteligentes de IA

Compliant by design

As regulations tighten and scrutiny grows, being smart with AI is only half the battle the other half is aligning your tech strategy with legal, enterprise, and trust standards.

Built-in regulatory guardrail

Private LLM

Private cloud or on-premise deployment optio3⁄4

Hallucinations control - Stays compliant

Custom Insights

Uncover conversation signals that go beyond intent like job loss, medical conditions, natural disasters or other hardship indicators. Automatically flag and track these collection insights to enable smarter resegmentation, personalized follow-up, and empathetic outreach strategies that drive resolution while preserving trust

Connect with the human behind

Moveo.AI blends digital scale with human empathy. Our AI agents recognize each consumer as an individual, engaging across channels to drive collections and foster a payment culture

100+ Battle-Tested Collection Playbooks

Proven AI collection agent payment journeys that collect from day one with no-code and always compliant

Authentication + 24/7 Support

AI Agents can verify all delinquent accounts via conversations, ensuring compliance and a high CSAT score, all while providing 24/7 omnichannel support for collection issues

AI Debt Collection vs Traditional Debt Collection

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Debt Collection Features

Recovery Rate

Cost per collect attempt

Cost per collect

Compliance

Availability

Language Support

Scaling

Channels

Personalization

Time to conversion

Traditional Debt Collection

Traditional Debt Collection

Stuck at 11%

Stuck at 11%

$5-6 per call

$5-6 per call

12%

12%

Manual and training

Manual and training

Business hours (9-5)

Business hours (9-5)

English or limited language capabilities

English or limited language capabilities

Limited by team size, hiring & training cycles

Limited by team size, hiring & training cycles

Usually call-first, poor multichannel capabilities

Usually call-first, poor multichannel capabilities

Scripted responses

Scripted responses

Days to weeks (multiple touches)

Days to weeks (multiple touches)

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

Debt Collection Features

Recovery Rate

Moveo AI

⬆︎Up to 80%*

Traditional Collection

Stuck at 11%

FAQs

What is an AI collection agent?

An AI collection agent is a conversational AI that automates the debt recovery process through chat, SMS, email or voice. It engages with customers in natural language, negotiates payments, and ensures compliance all without human intervention using context-aware and customer information to maximize revenue recovery

What is an AI collection agent?

An AI collection agent is a conversational AI that automates the debt recovery process through chat, SMS, email or voice. It engages with customers in natural language, negotiates payments, and ensures compliance all without human intervention using context-aware and customer information to maximize revenue recovery

What is an AI collection agent?

An AI collection agent is a conversational AI that automates the debt recovery process through chat, SMS, email or voice. It engages with customers in natural language, negotiates payments, and ensures compliance all without human intervention using context-aware and customer information to maximize revenue recovery

What is an AI collection agent?

An AI collection agent is a conversational AI that automates the debt recovery process through chat, SMS, email or voice. It engages with customers in natural language, negotiates payments, and ensures compliance all without human intervention using context-aware and customer information to maximize revenue recovery

How does AI debt collection work for utility companies?

AI collection agents integrate with utility billing systems to engage past-due customers via text or voice, negotiate payment plans, and resolve balances instantly 24/7. This reduces call center volume and improves customer satisfaction.

How does AI debt collection work for utility companies?

AI collection agents integrate with utility billing systems to engage past-due customers via text or voice, negotiate payment plans, and resolve balances instantly 24/7. This reduces call center volume and improves customer satisfaction.

How does AI debt collection work for utility companies?

AI collection agents integrate with utility billing systems to engage past-due customers via text or voice, negotiate payment plans, and resolve balances instantly 24/7. This reduces call center volume and improves customer satisfaction.

How does AI debt collection work for utility companies?

AI collection agents integrate with utility billing systems to engage past-due customers via text or voice, negotiate payment plans, and resolve balances instantly 24/7. This reduces call center volume and improves customer satisfaction.

Is AI debt collection compliant with industry regulations?

Yes. Moveo.AI Collection Agents Platform has built-in compliance framework and is designed to follow FDCPA, TCPA, GDPR, Hippa, and regional regulatory frameworks. Conversations are auditable, and automatically adapt to contact preferences and consent requirements. Not only that, Moveo.AI agent-as-a-service platform can be deployed in private cloud or premise ensuring compliance and privacy.

Is AI debt collection compliant with industry regulations?

Yes. Moveo.AI Collection Agents Platform has built-in compliance framework and is designed to follow FDCPA, TCPA, GDPR, Hippa, and regional regulatory frameworks. Conversations are auditable, and automatically adapt to contact preferences and consent requirements. Not only that, Moveo.AI agent-as-a-service platform can be deployed in private cloud or premise ensuring compliance and privacy.

Is AI debt collection compliant with industry regulations?

Yes. Moveo.AI Collection Agents Platform has built-in compliance framework and is designed to follow FDCPA, TCPA, GDPR, Hippa, and regional regulatory frameworks. Conversations are auditable, and automatically adapt to contact preferences and consent requirements. Not only that, Moveo.AI agent-as-a-service platform can be deployed in private cloud or premise ensuring compliance and privacy.

Is AI debt collection compliant with industry regulations?

Yes. Moveo.AI Collection Agents Platform has built-in compliance framework and is designed to follow FDCPA, TCPA, GDPR, Hippa, and regional regulatory frameworks. Conversations are auditable, and automatically adapt to contact preferences and consent requirements. Not only that, Moveo.AI agent-as-a-service platform can be deployed in private cloud or premise ensuring compliance and privacy.

Can AI agents handle healthcare and medical debt collections?

AI agents are ideal for hospital billing departments, medical debt recovery, and RCM providers, offering gentle, compliant patient billing engagement that improves revenue cycle management and reduces administrative costs.

Can AI agents handle healthcare and medical debt collections?

AI agents are ideal for hospital billing departments, medical debt recovery, and RCM providers, offering gentle, compliant patient billing engagement that improves revenue cycle management and reduces administrative costs.

Can AI agents handle healthcare and medical debt collections?

AI agents are ideal for hospital billing departments, medical debt recovery, and RCM providers, offering gentle, compliant patient billing engagement that improves revenue cycle management and reduces administrative costs.

Can AI agents handle healthcare and medical debt collections?

AI agents are ideal for hospital billing departments, medical debt recovery, and RCM providers, offering gentle, compliant patient billing engagement that improves revenue cycle management and reduces administrative costs.

How does AI support BNPL collections or short-term lending?

For BNPL and fintech lenders, AI agents engage borrowers proactively across mobile-first channels (e.g., WhatsApp, SMS, email), offer instant repayment options, and escalate only high-risk cases to humans.

How does AI support BNPL collections or short-term lending?

For BNPL and fintech lenders, AI agents engage borrowers proactively across mobile-first channels (e.g., WhatsApp, SMS, email), offer instant repayment options, and escalate only high-risk cases to humans.

How does AI support BNPL collections or short-term lending?

For BNPL and fintech lenders, AI agents engage borrowers proactively across mobile-first channels (e.g., WhatsApp, SMS, email), offer instant repayment options, and escalate only high-risk cases to humans.

How does AI support BNPL collections or short-term lending?

For BNPL and fintech lenders, AI agents engage borrowers proactively across mobile-first channels (e.g., WhatsApp, SMS, email), offer instant repayment options, and escalate only high-risk cases to humans.

What is the average cost to collect using an AI agent?

AI agents cost around $1 per resolved case, compared to $5–$10 per manual agent call. That’s up to 75% savings in operational costs and up to 16× ROI, depending on your industry and average recovery size.

What is the average cost to collect using an AI agent?

AI agents cost around $1 per resolved case, compared to $5–$10 per manual agent call. That’s up to 75% savings in operational costs and up to 16× ROI, depending on your industry and average recovery size.

What is the average cost to collect using an AI agent?

AI agents cost around $1 per resolved case, compared to $5–$10 per manual agent call. That’s up to 75% savings in operational costs and up to 16× ROI, depending on your industry and average recovery size.

What is the average cost to collect using an AI agent?

AI agents cost around $1 per resolved case, compared to $5–$10 per manual agent call. That’s up to 75% savings in operational costs and up to 16× ROI, depending on your industry and average recovery size.

Can AI handle both early-stage and late-stage collections?

AI agents can adapt their tone and strategy depending on the stage of delinquency, offering softer reminders for early-stage debt, and firmer but compliant engagement for charge-offs or recoveries.

Can AI handle both early-stage and late-stage collections?

AI agents can adapt their tone and strategy depending on the stage of delinquency, offering softer reminders for early-stage debt, and firmer but compliant engagement for charge-offs or recoveries.

Can AI handle both early-stage and late-stage collections?

AI agents can adapt their tone and strategy depending on the stage of delinquency, offering softer reminders for early-stage debt, and firmer but compliant engagement for charge-offs or recoveries.

Can AI handle both early-stage and late-stage collections?

AI agents can adapt their tone and strategy depending on the stage of delinquency, offering softer reminders for early-stage debt, and firmer but compliant engagement for charge-offs or recoveries.

Do AI debt collection chatbots work for student loan or education-related debt?

AI debt collection and loan chatbots are highly effective for managing student loan repayments, tuition arrears, and education financing plans. They engage borrowers across SMS, email, or webchat to offer reminders, payment plans, and instant settlement without the friction of manual outreach. This makes them ideal for universities, student loan servicers, and education fintech platforms looking to reduce delinquencies while preserving goodwill.

Do AI debt collection chatbots work for student loan or education-related debt?

AI debt collection and loan chatbots are highly effective for managing student loan repayments, tuition arrears, and education financing plans. They engage borrowers across SMS, email, or webchat to offer reminders, payment plans, and instant settlement without the friction of manual outreach. This makes them ideal for universities, student loan servicers, and education fintech platforms looking to reduce delinquencies while preserving goodwill.

Do AI debt collection chatbots work for student loan or education-related debt?

AI debt collection and loan chatbots are highly effective for managing student loan repayments, tuition arrears, and education financing plans. They engage borrowers across SMS, email, or webchat to offer reminders, payment plans, and instant settlement without the friction of manual outreach. This makes them ideal for universities, student loan servicers, and education fintech platforms looking to reduce delinquencies while preserving goodwill.

Do AI debt collection chatbots work for student loan or education-related debt?

AI debt collection and loan chatbots are highly effective for managing student loan repayments, tuition arrears, and education financing plans. They engage borrowers across SMS, email, or webchat to offer reminders, payment plans, and instant settlement without the friction of manual outreach. This makes them ideal for universities, student loan servicers, and education fintech platforms looking to reduce delinquencies while preserving goodwill.

Can AI collection agents detect and handle disputed debts?

Modern AI collection agents are equipped with intent recognition and escalation logic that can detect phrases indicating a dispute, objection, or misunderstanding. When such a case arises, the AI either responds with compliant information or seamlessly transfers the conversation to a live agent with full context. This ensures a smooth, compliant experience — especially in regulated sectors like healthcare, telecom, or financial services.

Can AI collection agents detect and handle disputed debts?

Modern AI collection agents are equipped with intent recognition and escalation logic that can detect phrases indicating a dispute, objection, or misunderstanding. When such a case arises, the AI either responds with compliant information or seamlessly transfers the conversation to a live agent with full context. This ensures a smooth, compliant experience — especially in regulated sectors like healthcare, telecom, or financial services.

Can AI collection agents detect and handle disputed debts?

Modern AI collection agents are equipped with intent recognition and escalation logic that can detect phrases indicating a dispute, objection, or misunderstanding. When such a case arises, the AI either responds with compliant information or seamlessly transfers the conversation to a live agent with full context. This ensures a smooth, compliant experience — especially in regulated sectors like healthcare, telecom, or financial services.

Can AI collection agents detect and handle disputed debts?

Modern AI collection agents are equipped with intent recognition and escalation logic that can detect phrases indicating a dispute, objection, or misunderstanding. When such a case arises, the AI either responds with compliant information or seamlessly transfers the conversation to a live agent with full context. This ensures a smooth, compliant experience — especially in regulated sectors like healthcare, telecom, or financial services.