Accelerate Recovery with AI Voice Agents for First-Party Collections
Recover more revenue and compliantly scale collections outreach with AI agents built to turn every customer conversation into a payment outcome.
The Challenge With Collections For Banks & Credit Unions.
U.S. household debt hit a record $18.8 trillion in Q4 2025, with 4.8% of balances delinquent. This raises FDCPA and data-security exposure for human-only collections operations.
Acclaim turns every customer conversation into a revenue opportunity, as you’ll recover more and close faster – while ensuring compliance and control.
The Solution:
Acclaim deploys GOAL-driven AI agents specifically trained for first-party payments and recovery. They manage the entire process — from selecting the right customer to securing payment. By unifying analytics, communication, and control, our agents focus on a single goal: maximizing your cash collection.
These are not open-ended conversations. They’re revenue workflows executed conversationally:
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Secure a payment commitment
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Process a payment
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Set up a structured repayment plan
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Escalate appropriately based on policy
How It Works:
Voice-first AI Agents engage customers across voice and messaging channels. Acclaim’s proprietary GOAL framework ensures the AI stays aligned to measurable outcomes: promise rate, dollars collected, resolution time. They:
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Access account context in real time
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Personalize outreach by risk segment and delinquency stage
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Navigate objections with compliant scripting and business logic
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Capture and log commitments deterministically
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Improve with every interaction and signal
The Acclaim AI CX Platform.
The Acclaim Collections AI Agent runs on the Acclaim platform that’s purpose-built for banks, fintechs, and credit unions – designed to flexibly integrate with your core systems and scale across every customer conversation.
The result: Fast deployment and secure, seamless operation within your existing infrastructure for complete and compliant data sovereignty.
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Easy for you to deploy, integrate, manage and scale — in weeks, not months
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Connects seamlessly to your core systems, CRM, and telephony providers, syncing results back in real time
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Our self-improving AI agent engine uses performance analytics in real-time to seamlessly deploy agent enhancements
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One of many Acclaim AI agents that work together for end-to-end CX across sales, collections, retention, and more
Collections Results That Speak For Themselves
TBC Group & Their Award Winning AI Agent
TBC Group uses Acclaim’s Collections AI Agents to save over $1 million per month on their $1 billion loan portfolio — the equivalent of hiring more than 1,200 additional human agents. Debt recovery improved from 60–70% to 80–85% and the bank was recognized by Global Finance as a Top Financial Innovator for Lola, its Acclaim-powered AI banking assistant.
Industry Leading Collections: 83.6% On-Time Payment Rate
Banco Plata, a digital-first LATAM fintech, deployed Acclaim’s collections AI and achieved an 83.6% on-time payment rate — outperforming two competitors at 81.5% and 80.4% in just one month.
Start Small, Scale Quickly, See Impact.
Each Acclaim AI Agent is purpose-built to turn an everyday customer interaction into a revenue-driving outcome from day one. Start with collections, then explore our other purpose-built solutions for banks, fintechs, and credit unions.
- Run structured outbound campaigns with clear, goal-driven flows
- Manage scripting, voicemail detection, and outcome classification
- Execute live handoffs when human engagement is needed
- Capture results to measure revenue impact across every interaction
- Deliver proactive outreach to guide new members from day one
- Walk account holders through deposits and transfers step by step
- Provide clear, supportive interactions that build early confidence
- Confirm next steps and close the loop once accounts are funded
- Detect early signs of cancellation intent
- Engage members with tailored, policy-guided save offers
- Capture and audit every interaction for full visibility
- Strengthen long-term loyalty through thoughtful, data-driven follow-up
- Authenticate members and understand needs in real time
- Resolve common requests like balances, transfers, and disputes
- Deliver fast, reliable support without losing the human touch
- Pass full context to human agents for seamless escalation
Why Trust Acclaim?
Purpose-built for regulated industries since our inception, our privacy-first approach is why banks, fintechs, and credit unions trust our platform:
Agnostic & Transparent
Your data, your rules.
You’re never locked to one AI model or vendor and our open architecture framework provides unparalleled visibility — no surprise sub-processors, ever.
Private By Default
Keep your data inside your four walls.
On-prem or private cloud is our standard deployment — not an upgrade. Customer data never touches shared infrastructure unless by choice.
GOAL-Driven
Always outcomes, never scripts.
Every agent is built to achieve a result — payment collected, member retained, account funded. Adaptive, compliant, auditable.
FAQ
Traditional systems focus on outreach volume and agent productivity. Acclaim focuses on outcomes. Every interaction is structured to secure a payment commitment, process a payment, or advance resolution. The system doesn’t just contact customers—it executes recovery workflows conversationally.
Acclaim is outcome-oriented, not a tool you need to master. Agency platforms, narrow point solutions, and CCaaS voicebots all force you to configure, train, integrate, and maintain software. You’ll measure Acclaim on dollars cured, right-party contact, and roll-rate reduction — not on dashboards your team has to master.
Inside your perimeter. Acclaim deploys on-premises or in your private cloud — never multi-tenant SaaS. Customer PII, account data, and call recordings stay within your security boundary and under your existing controls. Nothing is sent to public LLMs, and nothing we process is used to train external models. That keeps you aligned with GLBA, FFIEC, and NCUA expectations without bolting on additional DLP or third-party data agreements.
Acclaim uses real-time account context, segmentation, and its GOAL framework to guide each interaction toward a defined outcome. By adapting to customer responses and handling objections within compliant guardrails, it increases promise-to-pay rates and overall dollars collected.
Both. AI agents can securely guide customers through payment execution, set up structured repayment plans, or capture commitments for follow-up. Each action is logged deterministically to ensure accuracy and accountability.
Our AI CX platform dynamically adjusts outreach strategy, tone, and options based on delinquency stage and risk profile. Early-stage interactions may focus on reminders and quick resolution, while later stages emphasize structured repayment and escalation within policy.
Objection handling is built into the workflow. The AI uses compliant logic to respond to common scenarios—financial hardship, disputes, timing concerns—while keeping the conversation aligned to recovery goals and regulatory requirements.
All interactions operate within predefined regulatory and policy guardrails, with full visibility into conversation logic and outcomes. This ensures consistent adherence to requirements while maintaining auditable records of every interaction.
Our AI CX platform delivers calm, respectful, and context-aware conversations that reduce friction and escalation. By resolving issues efficiently and avoiding aggressive or inconsistent outreach, it preserves long-term customer value while still driving recovery outcomes.
Hear What Acclaim Can Do For You.
Experience powerful, enterprise-scale AI CX that turns conversations into real outcomes across all your customer channels.