Callbook AI

Collections teams deal with borrowers who fall into debt for varied reasons, such as a broken product, origination friction, or payment options that do not fit their situation, yet are often treated uniformly regardless of their ability or willingness to pay. This uniform treatment is costly and inefficient. Conversations also happen across disconnected channels like calls, SMS, and email, so inbound contacts often lack full context, creating friction and reducing conversion on payment arrangements.

Callbook AI deploys AI agents that locate, contact, and negotiate with each borrower across voice, SMS, and email within a single continuous conversation, so every channel contributes to the same customer history and inbound calls arrive with full context. Before acting, the system segments every account by ability and willingness to pay, applying different levels of intensity rather than treating all borrowers the same. It also includes an insights capability to understand the causes of debt, and routes each customer to the right next action, such as human assistance, app support, debt review, or a payment plan. The platform reports metrics including AI-powered collection interactions, borrowers managed, and payments recovered, and states it is built with enterprise-grade security controls covering identity and access, encryption, logging, continuity, and vulnerability management for financial institutions.