Outbound Collections
Voice AI for Outbound Collections.
How a large US bank replaced commission-based collection agencies with 1stDay voice agents, and turned every $1 of spend into $18 recovered.
A large US bank needed to recover past-due balances at scale without paying third-party collectors 30% of everything they recovered. 1stDay now runs that program end to end, in the bank's own systems.
Voice agents that reach the right party, verify identity, negotiate a resolution and take payment in the call, then hand to a live collector the moment hardship, a dispute or a request for a person appears.
From first dial to payment received.
Outreach at scale
Around 90,000 outbound calls a month across voice and SMS, scheduled within permitted contact windows and frequency limits, without adding headcount.
Verified before disclosure
Right-party contact and identity confirmed to the bank's standards before any account detail is discussed.
Resolved in the call
Balances explained, payment plans agreed and payments taken in the bank's live systems, with promise-to-pay commitments logged in real time.
Closed with full audit
Disputes and hardship cases handed warm to a human agent. Every call recorded, transcribed and time-stamped for compliance review.
The economics of keeping the recovery.
- Fees scale with success: recover more, pay more
- Customer conversations outsourced and off-brand
- Predictable platform cost, not a share of recovery
- Every call in the bank's voice, on the bank's systems
Every $1 invested generates $18 in recovered revenue, representing $17 of net return.
Effective cost of recovery derived from reported ROI: ~$150K recovered per month against ~$8K platform investment. At the same recovery, a 30% agency commission would cost ~$45K per month.
Compliant on every dial.
Contact windows, call-frequency caps and do-not-call lists enforced by the platform on every dial.
Right-party contact verified before any account detail is disclosed, on every dial.
Required disclosures delivered consistently, on every call, with no script drift.
Full recordings, transcripts and role-based access for audit and dispute handling.
Disputes, hardship and complaints escalated to a human agent with full context.
Deployed inside the bank's existing collections and payment systems.
See it working in your systems.
Book a working session with the team that builds the platform. Not a scripted demo.