How It Works

1. 01

   Delinquent Account Prioritisation

   AI queries credit system for all accounts > 14 days past due. Scores each account by: (a) days past due (30–60–90+ days), (b) outstanding balance (highest first), (c) payment history (chronic late-payers flagged as high priority), (d) contact success rate (previously unreachable accounts de-prioritised). Generates call queue in risk order.

2. 02

   AI Voice Dialling & Contact Attempt

   AI voice agent dials account starting with primary phone, then alternate numbers if available. System records call attempt, confirms human answered, and transfers to live agent or initiates AI conversation depending on complexity detection.

3. 03

   Personalised Payment Request & Objection Handling

   AI greets account holder by name, confirms account details, and requests payment in professional but firm tone. When objections arise (e.g., 'I don't have funds', 'I was never sent an invoice'), AI responds with pre-trained rebuttals: offers payment plan for 'funds' objection, resends invoice proof for 'never sent' objection.

4. 04

   Payment Arrangement & Scheduling

   If account commits to payment, AI proposes arrangement: (a) full payment within 7 days, or (b) instalment plan (e.g., £500 on Day 7, remainder on Day 14). Account confirms, and AI sends immediate SMS with arrangement details, due dates, and payment instructions.

5. 05

   CRM Logging & Compliance

   All call details logged to CRM: (a) call outcome (arranged, promised, declined, unreachable), (b) promised payment amount and date, (c) objections raised, (d) any commitments made by AI, (e) call recording link (for training/compliance). Next follow-up automatically scheduled if necessary.