CogneticAI
Product · Financial Services

Debt Recovery Intelligence

AI-powered debt collection built for modern lenders and agencies. Predict who's most likely to pay, reach them on the right channel at the right time, and stay audit-ready across every case.

AI Risk Scoring
Multi-Channel Outreach
Payment Prediction
Compliance Tracking
Real-Time Analytics
Case Management
Delivered as a Service — Fully managed and customized to your recovery workflows — deployed as a service, not a static tool.
Recovery Console Live
Recovered this month
$4.2M
+18.4% vs last month
Case #4821SMS sent
92%
High propensity
Case #4822Call scheduled
64%
Medium risk
Case #4823Email confirmed
78%
Payment plan
1st Month Free·Use it first, then pay·No credit card needed
As Low As Free
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Future Roadmap

What's next

Here's what we're building next for Debt Recovery Intelligence.

Coming Soon
WhatsApp Business Integration
Reach debtors directly on WhatsApp with automated, compliant messaging — one of the highest-response channels for payment reminders and follow-ups.
In Progress
Predictive AI Risk Scoring 2.0
An upgraded scoring model that factors in payment history patterns, communication responsiveness, and behavioral signals for even more accurate propensity-to-pay predictions.
Planned
Multi-Currency & Regional Compliance Support
Built-in support for multiple currencies and region-specific collection compliance rules, making the platform ready for lenders and agencies operating across borders.
Planned
Self-Service Payment Portal for Debtors
A secure portal where debtors can view their balance, set up payment plans, and pay directly — reducing manual follow-up work for collection teams.

A closer look

A closer look at how Debt Recovery Intelligence works.

Every case is automatically scored for payment likelihood using AI models trained on historical recovery data, letting teams prioritize high-propensity cases and focus effort where it counts.
Calls, SMS, and email sequences are triggered automatically based on each case's risk profile and stage, ensuring timely, consistent contact without manual scheduling.
Every interaction, payment, and status change is logged automatically, giving lenders and agencies a complete, audit-ready record for regulatory reporting and dispute resolution.
Live dashboards track recovery rate, outreach performance, and team productivity, giving managers the visibility to adjust strategy without waiting on manual reports.

Ready to see it live?

Book a 30-minute walkthrough — we'll tailor the demo around your team's workflows.

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