Akuvo · Collector Copilot
Ongoing · 5 pilot customersAn AI copilot that turns every collector into your best collector
Akuvo's collectors used to spend minutes reviewing account history before every call. Now an AI copilot prepares the brief, suggests the right approach for each scenario, and guides the conversation in real time.
“First test, correct diagnosis, right legal action, full documentation list.”
— Bankruptcy Agent · Chapter 7 Demo
Debt collection is one of the most high-stakes, regulation-heavy conversations in financial services. Collectors navigate bankruptcy law, repossession rules across 55 state jurisdictions, hardship programs, and institutional policies — all while trying to reach the right person on only 6–13% of calls. Akuvo's existing playbook engine offered generic prompts. The real expertise lived in the heads of senior collectors, not in the software.
The Product
A copilot that sits alongside every collector — preparing a full account brief before the call, recommending the right approach based on the specific scenario, and providing real-time guidance during the conversation. Every interaction is tracked, so institutions can see exactly what was said and why.
Each financial institution gets its own tailored experience — custom tone, compliance guardrails, and policy rules — without a single line of code changing. The system adapts to the institution, not the other way around.
Specialized Intelligence
One copilot, four specialist agents — each an expert in its domain
The system automatically detects the scenario and routes to the right specialist. When a situation changes mid-call — a delinquent account reveals a bankruptcy filing — the handoff happens instantly.
Delinquency
Analyzes payment history and account status to recommend the optimal contact strategy, payment arrangement, or escalation path for each account.
Bankruptcy
Identifies chapter type, recommends specific legal actions like motions for relief from stay, and provides the exact documentation an attorney needs to proceed.
Repossession
Navigates state-specific repossession law across all 55 jurisdictions. Knows the notice requirements, redemption periods, and deficiency balance rules for each state.
Hardship
Evaluates the account holder's situation and matches them to the right hardship program — deferment, modified payment plans, or alternative resolution paths the institution offers.
From copilot to virtual collector
The copilot is step one. The roadmap leads to a virtual collector that engages account holders directly — via voice and chat — handling routine outreach autonomously while human collectors focus on complex, high-value accounts.
With only 6–13% right-party contact rates, most calls never reach the right person. An AI that can handle that volume of outreach — persistently, compliantly, across every channel — changes the economics of the entire business.
Your best collector's instincts, on every single call.
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