One control plane for debt collection — from digital nudges and AI voice to field visits, settlements, legal recovery and repossession.
Bring portfolio data, borrower context, strategies, channel outcomes and operational actions into one connected collections workflow.
Unified borrower, loan, repayment, interaction, PTP, risk, collateral and document view with real-time status.
CASE MANAGEMENTRisk scoring, payment propensity, contactability, segmentation and next-best-action recommendations for each account.
DECISIONINGConfigure rules, escalations, fallbacks, approvals and DPD-based journeys without rebuilding the operating process.
AUTOMATIONConnect through APIs, SFTP, files and webhooks. Keep your LMS, CBS and payment rails as the source of truth.
INTEGRATIONSPortfolio, bucket, agency, geography, campaign, agent, recovery and funnel analytics with downloadable MIS.
REPORTINGRole-based access, approval workflows, immutable activity trails, communication controls and evidence-backed operations.
GOVERNANCEBuild coordinated journeys across SMS, WhatsApp and IVR. Change channel, timing, language and CTA based on borrower behavior.
MindMyCapital continuously evaluates borrower data, interaction history, payment behavior and operational outcomes to determine the best action for each account — then orchestrates the right channel or escalation automatically.
For every borrower, the AI weighs the available signals and selects the recovery action with the highest expected resolution value — not simply the next item in a static workflow.
The decision can change after every new signal: a response, failed payment, PTP, dispute, IVR outcome, field visit or settlement interaction.
Combine DPD, outstanding, repayment history, borrower profile, contactability and prior interactions.
AI estimates recovery likelihood, channel response, payment intent and escalation risk.
Select the best intervention: SMS, WhatsApp, IVR, AI voice or field operations. Settlement, legal and repossession remain policy-driven escalation workflows outside the AI Best Action scope.
Feed outcomes back into the decision layer so strategies improve continuously at portfolio and account level.
Automate repetitive first-touch and follow-up conversations with account-aware AI voice. Keep policies, offers, language and escalation rules under lender control.
Outstanding amount, due date and borrower context are available to the bot.
Understand payment intent, hardship signals, disputes and requests for assistance.
Record PTP, callback, payment, dispute or escalation with structured disposition.
Trigger the next workflow when automation reaches its boundary.
A mobile-first field workflow for allocations, route planning, GPS verification, visit evidence, payments, PTP and escalations.
Capture location, time, visit outcome and evidence to create a defensible activity record.
Prioritize visits using geography, risk, outstanding amount, contactability and promised payment dates.
Surface approved payment links and capture payment references, PTPs and cash-handling records.
Upload KYC, notices, acknowledgements, photos and other case evidence with timestamps.
Raise disputes, hardship cases, address issues and legal / repossession triggers directly from the visit.
Track visit productivity, resolution rate, PTP conversion, geography and agent-level outcomes.
Bring settlement, dispute, legal and repossession into the same case lifecycle instead of creating another spreadsheet.
Give collection leaders a real-time view of where money is stuck, which strategies are working and which cases need intervention.
Tenant isolation, role-based access, configurable permissions, audit trails, approval controls, encryption and integration-level governance.
Connect your portfolio, define your strategies and give every team the same real-time view of the borrower journey.
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