PROVENIR FOR COLLECTIONS
Recover More While Treating Customers Fairly Provenir is the Decision Intelligence Platform that gives organizations full control over collections decisions, from the first missed payment through to recovery. Banks, lenders, telcos, utilities, retailers and other organizations that extend credit or bill for services share the same collections challenge: choosing the right treatment for each customer at the right moment. That takes a complete view of each customer and the ability to change strategy quickly as conditions shift. Siloed systems and long change cycles that depend on IT or vendors make both harder than they should be. Provenir brings collections data, models and decisioning into one governed platform. Business teams design, test and deploy treatment strategies directly, and every decision is explainable and auditable, supporting fair treatment and regulatory obligations.
PROVEN RESULTS
80
%
improvement in speed of change
200
%
margin increase through optimized collections BRAZILIAN RETAILER
Provenir for Collections
CHOOSE PROVENIR TO: Recover More, Earlier: Pre-delinquency signals, self-cure and propensity-to-pay models identify at-risk accounts before they roll, so costly treatments go where they make a difference. Lower the Cost to Collect: Route low-risk customers to automated, self-serve treatments and reserve agent time for the accounts that need it. Change Strategy Without Waiting on IT: Business teams update strategies directly in a low-code interface, test them against historical data and deploy with confidence. New use cases can go live in as little as four weeks. Show Fair Treatment: Affordability scoring, compliance safeguards and full audit trails help you demonstrate fair, consistent treatment to regulators and customers. Govern Every Model in One Place: Manage collections models alongside the models used across the customer lifecycle, with AI operating within guardrails you define.
DYNAMIC PROCESSING, IN REAL TIME AND BATCH SYSTEMS OF RECORD → PROVENIR (BATCH AND REAL-TIME)
• Billing & Processing • Payment Application • Behavioral History
TREATMENTS
OUTCOMES
• SMS
• Letter
• Chatbot
• Call
• Virtual Assistant
• Payment
• Undelivered
• Promise to Pay Made
• Delivered Read/Unread
• No Contact
Provenir for Collections
THREE-COLUMN MODEL: • Customer Intelligence: Orchestrate behavioral, treatment and outcome data into a complete view of each customer. • Agentic Decisioning: Choose the best treatment, channel and timing for every account, in real time or batch. • Optimization: Simulate, monitor and refine strategies against recovery, cost and customer outcomes.
DYNAMIC PROCESSING, IN REAL TIME AND BATCH • Act on Account Changes as They Happen: Batch and event-driven processing detects rising default risk early, so you start the right conversation at the right time, on the right channel. • Build a Complete Customer View: Bring billing, payment and behavioral data, plus 225+ pre-integrated global data sources, into every collections decision. • Handle Sensitive Conversations Well: Personalized journeys match message, channel and timing to each customer’s situation, protecting the relationship while you recover. • Validate Before You Deploy: Simulate strategy changes against historical data to see the impact on recovery rates and cost before go-live. • Put Collections, Risk and IT on the Same Page: A shared visual interface lets every team review and agree strategy changes together, with fewer handoffs and less rework.
Provenir for Collections
ABOUT PROVENIR Provenir is the governed Decision Intelligence Platform for enterprises and institutions. One decisioning environment consolidating data, AI models, intelligence, agents and governance. Business-configured. Enterprise-grade reliability. Trusted by 120+ institutions processing 4+ billion decisions annually across 60+ countries.
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