Empathetic, multilingual debt collection - configurable to your regulator, in 200+ languages - and the broader BFSI platform behind it. Banks and NBFCs worldwide start with collections, then build credit risk, fraud, KYC, and treasury on the same agentic foundation.
Outsourced collections agencies cost 6-8% of recovered amount, regularly trip whichever code applies in their jurisdiction, and only speak a handful of languages well. Adya runs the same workflow end-to-end - in 200+ languages, configurable to any regulator's compliance code, with a 100% audit trail, and a fraction of the cost-to-collect.
Voice agents speak the customer's language - Spanish, Portuguese, Arabic, Mandarin, Tamil, French, German, Bahasa, Swahili, and 190+ more. Tone is tuned to bucket and history. The first interaction isn't a threat - it's a workable plan, in the language they actually speak at home.
Every call recorded, transcribed, scored. Violations flagged in real-time, escalated before they ship.
AGP turns any regulator's compliance code - RBI FPC, CFPB Reg F, FCA CONC, ASIC RG 96, MAS Notice 612, or a custom playbook - into mathematical preconditions on every call. Calls outside permitted hours don't fire. Threatening language can't be generated. Configurable to your jurisdiction in days, not quarters.
Outsourced agencies charge 6-8% of recovered amount and resolve fewer accounts. Adya runs at 2-3%, hits more accounts per shift, and improves resolution rates by 22 points - the unit economics of recovery, redrawn.
Every settlement, every excuse, every successful plan goes into shared memory. The 50,000th account benefits from everything the agent learned about the first 49,999 - smarter offers, sharper triage, fewer wasted dials.
Empathetic Outreach reaches the customer in their language. Negotiation crafts the right plan. Compliance keeps every call inside your jurisdiction's code. Skip Trace finds the unreachable. End-to-end, on one platform.
Voice and text outreach in 200+ languages - English, Spanish, Portuguese, Arabic, Mandarin, French, German, Tamil, Swahili, Bahasa, and the rest. Tone tuned to DPD bucket, payment history, and life-stage. Daily-time-window rules are configurable per jurisdiction. Every conversation gets logged, transcribed, and analyzed for intent - not parked in a missed-call list.
Generates payment plans personalized to the customer's stated income cycle, life event, and historical fit. Stays inside your bank's policy - haircut tolerances, restructure rules, escalation tiers. Books the plan into the LMS, sets reminders, and routes the next touchpoint automatically.
Calls outside permitted hours don't dial. Threatening or harassing language can't be generated. Every conversation is recorded, transcribed, scored against the active regulator playbook (RBI FPC, CFPB Reg F, FCA CONC, ASIC RG 96, MAS Notice 612 - or your custom one), and exported to your audit pipeline. Violations are flagged before the call ends, not in a quarterly review.
Builds a privacy-respecting signal map: open-banking consent-layer mobile updates, bureau employment changes, address-on-file refreshes, payment-rail metadata. Re-engages on a new number when the customer has updated it themselves, never via third-party data scraping. GDPR, DPDP, and CCPA-aligned by construction.
The same platform - AGP, MAN, ESM, AI-ELT - that powers our debt collection agent can build the rest of your BFSI stack. Here's what's live, what's in build, and what's ready to be designed with you.
Empathetic outreach, settlement plans, regulator-aligned compliance, skip trace - deployed in production at NBFCs and banks.
Explore the live product200+ language voice agents for retail banking and NBFC support - account queries, statement requests, EMI changes, branch routing.
See voice agentMulti-channel digital onboarding with global ID rails (PAN/Aadhaar, eIDAS, US ID, passport), V-CIP, document AI, and risk-tiered approvals - live with two NBFC partners.
See KYC stackUnderwriting agents that fuse bureau, banking statements, and alternate data - explainable scorecards, policy-bound, regulator-aligned (RBI, OCC, FCA, MAS, BaFin). Pilot Q3 2026.
Real-time transaction monitoring, mule-account detection, and case workflow - built on the same MAN that powers our collections agent. Pilot Q3 2026.
ESA, tuned for banking & NBFCs - portfolio strategy, treasury scenarios, regulatory horizon scanning, board-ready transformation roadmaps. Pilot Q4 2026.
End-to-end origination orchestration: lead, KYC, underwriting, sanction, disbursal - designed jointly with a launch partner. Currently scoping with two NBFCs.
Multilingual wealth and investment guidance with goal-planning, suitability, risk profiling, and portfolio rebalancing - built with a launch wealth-tech partner.
Customer screening, transaction monitoring, suspicious-activity workflows aligned to FATF, OFAC, EU AMLD, MAS, and PMLA - designed with a launch compliance partner.
If you're a Tier-1 bank, NBFC, or fintech with a workflow that doesn't fit a standard product, talk to our BFSI team. The same platform that runs Debt Collection in production can be shaped around the next thing you need built.
Collections that respect the borrower, recover the bank, and pass any audit. Sourced, governed, multilingual - in production today, with the rest of BFSI on the same foundation.
"The audit team stopped chasing transcripts. The CRO stopped reading compliance notices. We started collecting more, in more languages, at a third of the cost. The next conversation is about credit risk."
Adya Debt Collection isn't a chatbot wrapped around a dialer. It runs on four pieces of proprietary infrastructure - AGP, MAN, ESM, and AI-ELT - the same moat that lets us ship credit risk, fraud, and BFSI strategy on the same foundation.
Always-on platform compliance comes built in. On top, AGP turns any regulator's collections code into mathematical preconditions on every call - configured to your jurisdiction in days, not quarters.
Pre-built collections-code playbooks across major regulators - or bring your own. Switching jurisdictions is a config change, not a rebuild.
Why most outsourced collection setups generate compliance notices - and the four architectural choices that prevent them at the model layer, with regulator playbooks for the US, UK, India, AU, and SG.
A reference timeline for going from English-only outreach to 30+ languages in production - whether you're scaling regionally across India, EMEA, LATAM, or APAC.
How collections, KYC, credit risk, and fraud all share one governance and memory layer - and why building them on separate vendor stacks is the wrong long-term bet.
Empathetic, multilingual, regulator-grade collections in production this quarter - on the same platform that's ready for credit risk, fraud, KYC, and the rest. Pilot in 4 weeks, expand from there.
4-week pilot - bring your bucket-30-60 cohort - data stays inside your boundary.
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