Compliance-first AI workflows built for collections
Design AI collectors with clear rules, approved language, and scoped system access—so every action aligns with lending regulations and internal policies.
Native fit with lending systems
Connect seamlessly with your existing loan management systems, CRMs, and payment platforms. No complex integrations—just direct access to the data your AI collectors need.
Purpose-built execution across borrower touchpoints
Reach borrowers wherever they are—voice calls, SMS, email, or chat. Each AI collector adapts its approach based on the channel and borrower preferences.
Built-in escalation and human handoff
AI collectors know when to escalate. Automatically route complex cases, disputes, or sensitive situations to your human team with full context and conversation history.
Structured data extraction and audit-ready records
Every interaction is automatically documented with structured data capture. Generate compliance reports, track payment commitments, and maintain audit trails effortlessly.
AI Collectors that speak
Build fully custom AI collectors
Compliance-first AI workflows built for collections
Design AI collectors with clear rules, approved language, and scoped system access—so every action aligns with lending regulations and internal policies.
Native fit with lending systems
Connect seamlessly with your existing loan management systems, CRMs, and payment platforms. No complex integrations—just direct access to the data your AI collectors need.
Purpose-built execution across borrower touchpoints
Reach borrowers wherever they are—voice calls, SMS, email, or chat. Each AI collector adapts its approach based on the channel and borrower preferences.
Built-in escalation and human handoff
AI collectors know when to escalate. Automatically route complex cases, disputes, or sensitive situations to your human team with full context and conversation history.
Structured data extraction and audit-ready records
Every interaction is automatically documented with structured data capture. Generate compliance reports, track payment commitments, and maintain audit trails effortlessly.
MANAGE YOUR WORKFORCE
We enable lenders to manage borrowers end-to-end across the full borrower lifecycle.
Verification
Validates borrower identity, contact details, and consent before disbursement to ensure a compliant and accurate loan setup.
Collections
Proactively reaches out with early-stage reminders and follow-ups to help borrowers stay on track with upcoming or missed payments.
Loan Complete
Closes out the loan and helps eligible borrowers explore renewal or refinancing options.
Verification
Validates borrower identity, contact details, and consent before disbursement to ensure a compliant and accurate loan setup.
Collections
Proactively reaches out with early-stage reminders and follow-ups to help borrowers stay on track with upcoming or missed payments.
Loan Complete
Closes out the loan and helps eligible borrowers explore renewal or refinancing options.
N
Nicolás
Duration
106 s
Type
web_call
Date
23 de diciembre de 2025, 9:34
Payment Status
Pending
Payment Promise
Will Pay
Disconnect Reason
User hung up
Attempt Number
1
Country
Argentina
Voice Call
5 de diciembre de 2025, 11:14 • 107s
00:08
/
00:55
Transcript
Kleva 3:14 PMBuenos dÃas, hablo de parte de Logics. ¿Me comunico con Nicolás?
N
Nicolas 3:14 PMSi si, el habla.
Kleva 3:15 PMUn gusto, soy Valeria, agente virutal de Logics. Te llamo por un pago pendiente con 15 dÃas de atraso, por $100 dólares. ¿PodrÃas confirmar si vas a realizar el pago en 48 horas?
N
Nicolas 3:15 PMNo va a ser posible, en este momento no cuento con esa cantidad de dinero para pagar la deuda.
Kleva 3:15 PMBien entiendo, puedo ofrecerte otros modos de pagarla. PodrÃa ofrecerte pagar unos $60 dólares en 48 horas? ¿Es posible?
Build once. Deploy everywhere. One best-in-class AI collector, replicated at scale, delivering the same compliant, high-performance experience on every interaction, every time.
Natural, empathetic conversations
Kleva delivers personalized conversations that feel human. Always available, endlessly patient, and able to reason, predict and act in real-time.
Connect to your call center ecosystem
Seamlessly integrates with your existing technology stack, with comprehensive summaries and intelligent routing when escalation is required.
Scale consistent experiences
Build once and run everywhere, with a continuously-improving, trusted AI agent tailored to your brand, goals and processes.
Go above and beyond
Beyond savings, a new world of possibility
AI workers do more than cut costs. They allow you to move faster, act smarter, & do more.
Collections workflow automation
We don't just contact borrowers. Our AI collectors run end-to-end collections workflows, handling disputes, promises to pay, documentation, and system updates from first outreach through resolution.
Compliance-first for lending
Built around the realities of consumer-lending regulation and supervision so your teams can move faster without creating exam headaches.
Borrower-level memory
Every interaction is informed by the borrower's history: prior calls, promises, hardship notes, disputes, and claims. That means more relevant conversations, fewer repeated questions, and better outcomes over time.
Most clients see 70% cost reduction within 30 days. Our AI agents start making calls immediately after the 3-week implementation, processing thousands of accounts daily at a fraction of human agent costs.
What makes Kleva different?
We're built specifically for English-speaking markets. Native-level English understanding, full compliance with local regulations, and AI trained on millions of real collection calls. We don't translate — we understand.
How does pricing work?
Simple per-minute pricing with volume discounts. No setup fees, no minimums. Most clients save 70% compared to human agents. We'll calculate your exact ROI during the intro call.
Is it really compliant?
100% compliant in Mexico, Brazil, Colombia, Guatemala, Ecuador, and Peru. Our AI automatically adapts to each country's regulations and records all interactions for audit purposes.
What about integration?
We integrate with all major banking systems and CRMs. If you have an API, we can connect. Implementation takes 2-3 weeks including training and compliance setup.
Can the AI handle different types of debt?
Yes. Kleva handles credit cards, personal loans, auto loans, mortgages, and commercial debt. The AI adapts its approach based on debt type, amount, and age - from early-stage (1-30 days) to late-stage collections (180+ days).
What languages and dialects does Kleva support?
Full native support for English (US, UK, Canadian, Australian, and 20+ other variants). The AI understands regional slang, cultural nuances, and local expressions.
How do you train the AI?
Kleva is trained on over 900,000 minutes of real collection calls monthly. The AI learns from every interaction, continuously improving negotiation strategies and payment recovery rates. Your data stays private and is never shared.
What happens if a debtor wants to speak to a human?
Seamless handoff to your human agents when needed. The AI provides complete context and call history, so your agents can pick up exactly where the AI left off. Most debtors actually prefer AI — it's more patient and less judgmental.
Can we customize the AI's approach?
Absolutely. Set your tone (friendly to firm), negotiation parameters, payment plan options, and escalation rules. The AI follows your exact playbook while optimizing for best outcomes within your guidelines.
What kind of reporting do you provide?
Real-time dashboards showing call volume, recovery rates, promise-to-pay rates, and payment completion. Detailed analytics by portfolio, agent performance comparison, and compliance reports. All exportable for your internal reporting.
How secure is our data?
Bank-grade security with SOC 2 Type II certification. All data encrypted at rest and in transit. Hosted on AWS with full redundancy. We meet all regulatory requirements for financial data handling in English-speaking markets.
What's the implementation process?
Week 1: Data integration and system setup. Week 2: AI training on your specific portfolios and policies. Week 3: Testing and compliance verification. Then you're live. We handle everything — you just provide access and requirements.
Do you offer a pilot program?
Yes. Start with 100-1000 accounts to prove ROI. Most pilots convert to full deployment within 30 days after seeing 25-40% improvement in recovery rates. No long-term commitment required for pilots.
How do you handle payment processing?
Kleva integrates with your existing payment systems. The AI can take payments directly via phone, send payment links, or schedule future payments. All transactions process through your current payment gateway.
