Outbound Solution

Telecollection AI — Automated Collection for Multi-Finance & Fintech

AI agent for collection from first contact to full payment. Auto reminders, personalized negotiation scripts, smart follow-up, OJK & data privacy compliant.

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What is Telecollection AI?

Telecollection AI is an AI agent that handles the collection process from first contact to full payment. Automatic reminders, personalized negotiation scripts, and smart follow-up based on debtor history. Compliant with OJK regulations and data privacy laws. Telecollection AI increases collection rates, reduces operating costs, and ensures regulatory compliance without compromise.

How Telecollection AI Works

01
Analyze & Prioritize

AI analyzes risk profile, payment history, and ability to pay to determine the optimal collection strategy.

02
Contact & Negotiate

AI contacts via phone with personalized scripts. Detects objections and offers suitable payment solutions.

03
Follow-Up & Close

Track payment promises, automatic escalation if promises are not kept, and follow-up until payment is complete.

Key Features

  • Auto Reminder: Automatic payment reminders via phone with timing optimized based on debtor payment patterns. Supports multi-channel (phone, WhatsApp, email).
  • Personalized Negotiation: Negotiation scripts tailored to risk profile, payment history, and debtor's ability to pay. Each debtor gets a different approach.
  • Smart Follow-Up: Smart system determines when and how to follow up with debtors based on previous responses. Automatic escalation path for cases requiring human intervention.
  • Risk Scoring: Automatic risk analysis to prioritize cases requiring human intervention vs those handled by AI.
  • Payment Promise Tracking: Track payment promises and automatic escalation if promises are not kept. Notifications to human agents for advanced follow-up.
  • Compliance Engine: Built-in compliance for OJK regulations and data privacy laws, including call time limits, harassment prohibitions, and complete audit trails.
  • Payment Gateway Integration: Debtors can pay directly through payment links sent during calls, integrated with Midtrans, Xendit, and other payment gateways.

Benefits

30-50%

Collection rate increase

40-60%

Operating cost decrease

100%

Compliance automation

2x

Higher contact rate

Regulatory Compliance

OJK Compliance

Complies with OJK regulations on collection, including call time limits (08:00-20:00), prohibition of unethical practices (threats, intimidation), and required collector identity disclosure.

Data Privacy Compliance

Debtor personal data protection with end-to-end encryption, on-premise options to keep data on your infrastructure, and audit trails for every interaction.

Integrations

  • PBX: Asterisk, FreePBX, Issabel, Elastix via native AGI/AMI
  • Core Banking: Integration with core banking systems via API for real-time balance checks and payment posting
  • Payment Gateway: Midtrans, Xendit, Faspay for direct payment from calls
  • CRM: Zoho CRM, HubSpot, Salesforce — sync debtor data and collection status
  • Communication: WhatsApp Business API, SMS gateway for multi-channel reminders
  • Analytics: Real-time dashboard for monitoring collection rate, aging reports, and agent performance

Telecollection AI vs Traditional Collection

Aspect RaylVox Telecollection AI Traditional Collection
Contact Rate 2x higher (AI-optimized timing) Low, many unanswered
Negotiation Personalized per debtor Static scripts, low consistency
Follow-Up Automatic + smart escalation Manual, often missed
Compliance Built-in OJK + data privacy Manual training, human error risk
Cost per Contact 60-80% lower High (agent salary + overhead)
Scalability Unlimited concurrent calls Limited by agent count

Industry Use Cases

Banking

Collection for consumer credit, mortgages, credit cards, and overdrafts. AI handles early stage collection (1-30 days overdue) automatically.

Fintech Lending & P2P

Collection for online loans with high volume and short tenor. AI handles thousands of debtors simultaneously with personalized approach.

Multi-Finance & Leasing

Collection for vehicle credit, heavy equipment, and equipment leasing. AI manages aging buckets and escalation based on risk.

Utilities (Electricity, Water, Gas)

Payment reminders for utility bills before due date and collection for overdue bills. AI reduces disconnection rates.

Integration with RaylVox Solutions

Frequently Asked Questions

Yes. Telecollection AI includes a compliance engine that follows OJK regulations on collection, including call time limits (08:00-20:00), prohibition of unethical practices, and required disclosures. The system provides complete audit trails for regulatory examinations.

Yes. Telecollection AI is available in On-Premise deployment mode, ensuring debtor data never leaves your infrastructure. This is the primary choice for banking, fintech, and OJK-regulated industries with data residency requirements.

Telecollection AI integrates with core banking, payment gateways (Midtrans, Xendit), CRM (Zoho, HubSpot), and other systems via API. Our team provides integration guides and technical support during implementation.

Ready to Increase Your Collection Rate?

Free consultation and demo. We will show you exactly how Telecollection AI increases collection rates with full regulatory compliance.

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