Transforming Collection Processes with Natural and Artificial Intelligence

FIVE KEY COMPONENTS OF OUR OFFER

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01 Digitalization

Payment portal offering end customers multiple self-curing options.

02 Omnichannel

Multi-method payment system from any device and through any digital, voice or in-person channel.

03 Optimization

We apply AI to maximize UX, efficiency and effectiveness in collections.

04 Conversational solutions

Hybrid (manual-digital) management model with bi-directional interactive channels (bots, IVR, WhatsApp).

05 Security

Backed by ISO 9001, ISO 27001 and PCI Level 1 certifications.

USE CASES: THE BEST EXPERIENCE FOR EACH CUSTOMER

WhatsApp > Bizum

Agent>Secure PCI-certified IVR

Early warning

1 Click Payment

Promise of payment

00/03

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Álex is spending the weekend away with his course classmates. His mobile streaming service isn't working, he didn't pay his last invoice.

He receives a WhatsApp informing him to pay his debt.

He accesses the payment platform via the biometric login.

He pays the outstanding amount using BIZUM and/or electronic banking.

00/03

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The bank rejected the last direct debit for Carmen and Carlos, an elderly couple, to pay their gas bill. They prefer personal contact over handling things online. Day 20, the day their pension is paid into their account.

We segment the week and the day for communication.

They receive a phone call from a call-center agent.

Payment: the agent redirects them to a PCI-certified payment IVR and they pay by card.

00/03

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Diana, a self-employed sales rep, is working very hard and cannot keep a close eye, on a daily basis, on when her bills are due.

She receives a text message (SMS) reminding her when the payment for her personal loan is due: tomorrow.

She checks her account and discovers she doesn't have enough there to pay the instalment.

She accesses the payment portal and does an online transfer from an alternative account.

00/03

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It's very hard to get hold of Luis, an IT worker, as he's very busy. He couldn't pay the last instalment on the loan he took out for his new car.

In accordance with Luis' profile, we segment the most effective time and communication channel.

The week his salary is due, he receives an email containing a payment link.

He has direct access to his debt and sorts out the situation by making a 1 Click Payment using card tokenization.

00/03

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Silvia is actively looking for work. Her ability to pay is limited but she's keen to repay the payments she missed.

She receives a phone call through the PCI-certified IVR system.

Silvia is unable to pay her debt at the moment but she commits to paying it later, on a specific date.

During the call she gives her card details, which are taken in a secure manner, and the payment is scheduled for the chosen date.

SINCE OUR LAUNCH

15M

Payment transactions

200

Solutions implemented

10

Sectors

14

Countries

1,000M

Data transformed into knowledge

€35,000M

Cured debt

15M

Payment transactions

200

Solutions implemented

10

Sectors

14

Countries

1,000M

Data transformed into knowledge

€35,000M

Cured debt

15M

Payment transactions

200

Solutions implemented

10

Sectors

14

Countries

1,000M

Data transformed into knowledge

€35,000M

Cured debt

1.000M

Data transformed into knowledge

€35,000M

Cured debt

5M

Unique debtors

200

Solutions implemented

€2,500M

Collected

15M

Payment transactions

1.000M

Data transformed into knowledge

€35,000M

Cured debt

5M

Unique debtors

200

Solutions implemented

€2,500M

Collected

15M

Payment transactions

1.000M

Data transformed into knowledge

€35,000M

Cured debt

5M

Unique debtors

200

Solutions implemented

€2,500M

Collected

15M

Payment transactions

10

Sectors

14

Countries

24M

Cases managed

15M

Payment transactions

5M

Unique debtors

€2,500M

Collected

10

Sectors

14

Countries

24M

Cases managed

15M

Payment transactions

5M

Unique debtors

€2,500M

Collected

10

Sectors

14

Countries

24M

Cases managed

15M

Payment transactions

5M

Unique debtors

€2,500M

Collected

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