Run a recovery OS, not a static contact schedule
Use AI to determine the next best action and automate personalised messaging and voice calls, so your team can drive higher recoveries, lower operating costs, and stay compliant.
15-25%
Early pilot recovery uplift
Up to 75%
Projected cost reduction
96%
Target self-service resolution share
40-60%
Human capacity freed
What the platform delivers
AI decides the next best action, then automates the outreach
We use AI to determine the next best action and automate personalised messaging and voice calls, helping debt collection teams increase recoveries, cut costs, and stay compliant.
Who Benefits
Concrete outcomes for every role
Operations Manager
Before:
Team manually triages ~500 accounts daily, runs mostly fixed chase paths, and handles ~200 routine calls
After:
AI re-scores all accounts in <5 minutes, picks next-best action per account, pauses journeys on inbound replies, and routes routine calls to Irish-accent AI voice
Outcome:
Same team handles 3x volume with adaptive, higher-quality decisions
Finance Director
Before:
€12 cost per resolved account, 12% account cure rate, 45-day average resolution
After:
€4.80 projected cost per resolved account (AI-optimized), ~34% early pilot cure rate, 10-day projected resolution
Outcome:
Projected 60% cost reduction + 3x faster resolution
Compliance Officer
Before:
Manual checks for contact windows, quiet hours, frequency limits across 4 channels
After:
Pre-send compliance checks automated, GDPR consent tracked, Central Bank rules enforced
Outcome:
Scale 10x with lower compliance exposure through automated controls
Core Platform
Everything you need to scale recoveries
Know which accounts will respond—before you contact them
AI scores every account for likelihood to engage, pay, or need escalation. Focus effort where it matters most.
Run a different journey for each account
AI learns which channel-message-timing combinations work for different account types, then shifts volume automatically to what converts.
Add Irish-accent AI voice without building a dialler team
AI voice handles inbound and outbound routine calls with natural Irish accents. Complex cases escalate to your team with full conversation history.
Turn SMS and email into two-way recovery channels
Inbound replies update conversation state instantly. Pause outbound pressure, route disputes, and keep every message in one timeline.
Never worry about calling someone in the middle of the night
Contact windows, quiet hours, frequency limits, and opt-outs checked automatically before every outreach action.
See which strategies are actually working—not which feel good
Break down recovery outcomes by strategy, segment, and balance band. Scale what converts, kill what doesn't.
How They Work Together
PayPath IQ + Vector Dial in action
A typical account journey from delinquency signal to resolution
Day 1
Account 7 days past due
→ PayPath IQ scores account, selects "SMS + Friendly" (92% expected engagement)
Day 3
Customer replies asking for a payment plan
→ Two-way thread is classified, outbound pressure pauses, and PayPath IQ proposes the right arrangement path
Day 5
Commitment not confirmed → AI selects "AI Voice Call"
→ Vector Dial initiates a compliant Irish-accent call, verifies identity, and captures payment commitment
→ If complex: Escalates to human agent with full context
Day 10
Human agent negotiates custom arrangement, closes account
→ Result: Resolved in 10 days vs. 45-day baseline, minimal agent time
PayPath IQ decides WHAT to do and manages two-way messaging. Vector Dial executes voice actions. Your team handles exceptions.
Business Impact
Real-world metrics from early pilots
Portfolio Performance
Early Pilot Results
Baseline
18%
Adaptive AI
22%
+22% relative improvement in cure rate
Cost Efficiency
Projected Per Resolved Account
Traditional
€12.00
Adaptive AI
€4.80
€7.20 savings per resolved account (60% reduction)
Launch Pattern
From setup to live learning in days
Import portfolios and business rules, then enforce compliance settings by region.
Configure lifecycle windows, two-way messaging channels, and approved templates.
Launch adaptive campaigns, monitor replies and outcomes, and tune from one control layer.
Control, visibility, and speed in one command layer.
Watch strategy performance move in real time, tune campaign limits without deployment overhead, and roll out proven paths portfolio by portfolio.
Live cycle time
Fast learning loops mean strategies improve weekly, not quarterly.
Built-in compliance
Guardrails checked before every outbound touchpoint.
Baselines combine published industry benchmarks and observed legacy portfolio performance; pilot figures are early and projected. Actual outcomes vary by portfolio mix, operational setup, and borrower behavior. Central Bank compliance is enforced across all contact methods.
See it live
Get a walkthrough of the full feature stack
We'll map these capabilities to your current collection process and show where adaptive decisioning can lift performance fastest.