AI agents work your arrears book via voice, SMS, email, and WhatsApp - 24/7, detecting vulnerability, negotiating repayment plans, and closing accounts without additional headcount. FCA Consumer Duty compliant from day one.
What changes when AI works your arrears book
Not because the money isn't recoverable - because the unit economics don't justify human agent time
At £50+ per right-party contact and 3-5 contacts per resolution, accounts below a certain expected recovery threshold will never generate a positive return with human agents. They sit in the book unworked.
Placing arrears with a third-party DCA means surrendering the customer relationship, paying placement fees, and accepting their compliance standards - not yours.
Every arrears conversation must meet FCA Consumer Duty standards. Training new agents takes 6-8 weeks. Attrition resets your compliance baseline every quarter.
Economic stress, portfolio acquisitions, and seasonal arrears peaks create contact volume you can't hire into fast enough. Accounts age. Recovery rates fall.
A fully-loaded arrears agent costs £35-50k/year. At 1.5% right-party contact rates with predictive dialling, that translates to over £50 per right-party contact - and 3-5 contacts to reach a resolution. Your cost per recovered account exceeds £150-250 before you've negotiated a penny. Every account where expected recovery sits below that threshold never gets touched. That's not a collections problem. It's a unit economics problem. Apex Banking Agent solves it.
You send the accounts. We handle everything else.
Send us the accounts you can't economically work with human agents. We integrate with your core banking system or accept secure file transfer. Configuration takes 3-4 weeks from contract signature.
AI agents reach out via voice, SMS, email, and WhatsApp - maintaining your brand voice, following FCA Consumer Duty guidelines, detecting vulnerability, and negotiating affordable repayment plans.
Payment arrangements confirmed, direct debits set up, hardship plans agreed. Every outcome reported back to your system. Vulnerability flags escalated to your team with full context.
Pay only for successfully resolved accounts. If we don't resolve it, you don't pay. No setup fees. No monthly minimums.
Success-based pricing. No setup fees. No monthly minimums.
That's it. We handle the rest.
| In-House Team | DCA Placement | Apex Banking Agent | |
|---|---|---|---|
| Pricing Model | Fixed salary + overhead | Placement fee + revenue share | Pay per resolution only |
| Agent Cost | £35-50k/year fully loaded | 10-20% of recovered value | £0 unless we resolve |
| Customer Relationship | Retained | Transferred to third party | Retained - your brand, your voice |
| Compliance Control | Variable (human QA sampling) | DCA's standards, not yours | 100% every interaction |
| Availability | Business hours only | Their hours | 24/7, all channels |
| Attrition | 30-40% annually | Their problem | 0% |
| Vulnerability Detection | Depends on training | Their standards | Automated, every interaction |
| Book a Discovery Call |
Not bolted on. Baked in from day one.
Must deliver "good outcomes" for customers. Our AI is trained to offer appropriate forbearance and fair treatment on every arrears call.
Clear, fair, not misleading communications. Every script reviewed by compliance specialists. No aggressive or pressuring tactics.
Real-time NLP detects signs of confusion, distress, or financial difficulty. Automatic warm escalation to your trained human specialists with full conversation context.
Fair outcomes baked into every interaction. Full audit trail for every decision. No agent variability.
Every interaction recorded, transcribed, and scored. No sampling. Complete audit trail across voice, SMS, email, and WhatsApp.
SOC 2 Type 2 certified. ISO 27001. PCI-DSS compliant for payment processing. Built to EU AI Act standards. £5M E&O insurance.
Production-grade infrastructure from an AWS Advanced Partner.
Multi-agent orchestration powering autonomous arrears conversations across all channels.
Foundation models for voice understanding, vulnerability detection, and negotiation.
Outbound voice, SMS, and omnichannel contact handling at scale.
The AWS Partner for Agentic AI. We design, build, and deploy autonomous AI agents, from strategy to production in 4-6 weeks.
Rapid growth means arrears volumes that outpace your operations team. Hiring keeps pace with deposits, not with the arrears that come 12-18 months later.
Member relationships matter. You need arrears managed with care, not passed to a third-party DCA that doesn't know your members or your values.
Motor finance, personal loans, asset finance - arrears in specialist lending carry unique compliance obligations and customer sensitivities that generic DCA agents get wrong.
Same underlying platform, positioned specifically for retail banking relationships. The agent tone, scripts, and escalation thresholds are configured for ongoing customer relationships rather than third-party collections. Your brand voice, your forbearance rules, your escalation team.
No. You already hold your own FCA authorisation. Apex Banking Agent operates under your existing permissions as a technology platform. No additional regulatory approvals required.
Real-time NLP detection flags confusion, distress, or financial difficulty indicators. The AI immediately initiates a warm transfer to your trained human specialist with full conversation context - the customer never has to repeat themselves.
3-4 weeks from contract signature for standard deployments. We configure agent scripts, integration with your systems, escalation workflows, and compliance rules. You approve before go-live.
We support API integration with major UK platforms and secure file transfer for systems without APIs. We've integrated with Temenos, Mambu, and Thought Machine. For custom systems, flat file integration gets you live fastest.
All data processed in UK/EU. Full GDPR compliance. Encryption at rest and in transit. We sign DPAs as standard and can work with your information security team on data handling requirements.
No. Your customer data is never used to train AI models. All data handling is governed by your DPA. Your data is yours.
We work with portfolios from a few hundred accounts upward. The pay-per-resolution model means there's no minimum fee - if the volume is low, the cost is proportionally low. Contact us to discuss your specific portfolio.
No setup fees. Pay only for successfully resolved accounts.
Book a Discovery CallOr email us at hello@rel8.cx