- Industry
- Banking & Finance
- Channels
- Outbound voice · SMS
- Deploys
- Cloud, hybrid or on-premise
- Control
- Human approval where it matters
- Pilot
- Measured proof in 4 weeks
- Built on
- Voice Telephony Agent
Solutions/Banking & Finance/Outbound Collections Voice Agent
IND-01Agent 07 of 07
Outbound Collections Voice Agent
Reaches the right party, verifies identity, negotiates a resolution and takes payment in the call — without paying a commission on every dollar recovered.
~90KCalls / month
$1 → $18Recovered per $1 spent
30% → ~6%Cost of recovery
1,700%ROI
Case study: a large US bank that took collections back in-house with Naventic and Trillet voice agents.
01 — The challenge today
Where the
time goes.
- Third-party agencies charge 30% commission — the bank keeps only 70¢ of every dollar recovered.
- Fees scale with success: recover more, pay more — cost has no ceiling.
- Customer conversations are outsourced, off-brand and outside the bank's direct compliance oversight.
- No control over script adherence, disclosure consistency or escalation quality.
02 — How the agent works
It acts —
not just answers.
Every step runs inside your systems and under your rules — with a person approving anything that matters.
Dials ~90,000 outbound calls per month across voice and SMS, within permitted contact windows and frequency limits — without adding headcount.
Verifies right-party contact and confirms identity before any account detail is disclosed — on every call.
Explains the balance, agrees a payment plan and takes payment in the bank's live systems — promise-to-pay commitments logged in real time.
Hands disputes, hardship cases and requests for a person warm to a live collector with full context — every call recorded, transcribed and time-stamped.
03 — Business value
What it
pays back.
Outcomes your team can measure — not a demo that never leaves the lab.
Before · Third-party agencies
30%
Cost of recovery
- Bank keeps ~70¢ of each $1 recovered
- Fees scale with success — no ceiling on cost
- Customer conversations outsourced, off-brand
After · Naventic + Trillet voice agents
~6%
Cost of recovery
- Bank keeps ~94¢ of each $1 recovered
- Predictable platform cost — not a share of recovery
- Every call in the bank's voice, on the bank's systems
TCPAFDCPA / Reg FSOC 2 Type IIISO 27001Data residencyFull recordings + transcriptsDeployed in the bank's own systems
Predictable platform cost. Not a commission. Not a share of recovery. Not a relationship you don't own. Every $1 invested → $18 recovered.
04 — Getting started
Proof in
four weeks.
We would rather prove one use case properly than describe five. Pick the process that hurts most — we will run it on your own data in four weeks.
Week 1 · Scope
One process, one team, one measure. Agree what “better” means — in hours, days or cost — and measure it before anything changes.
Weeks 2–3 · Shadow
The agent runs alongside your team on live work, with a person approving each action. Its output is compared honestly with what your team produced anyway.
Week 4 · Measure
Report against the baseline, agree the guardrails that stay and document what your team owns. Then decide whether the next process follows.
Three operating principles
Principle 01
Acts inside your systems
Works where the work already is — your core systems, documents, inboxes and channels. No new tool for your team to copy things into.
Principle 02
Bounded by your rules
Limits are set per process: what the agent may do on its own, what needs human approval and what it may never do. Anything outside the boundary goes to a person.
Principle 03
Reviewable and reversible
Every step is logged — what it read, what it changed, who was notified and when. Evidence you can use in audit and compliance reviews.
05 — FAQ
Questions,
answered.
The short answers buyers ask us most about the Outbound Collections Voice Agent.
What does the Outbound Collections Voice Agent do?
Reaches the right party, verifies identity, negotiates a resolution and takes payment in the call — without paying a commission on every dollar recovered. Dials ~90,000 outbound calls per month across voice and SMS, within permitted contact windows and frequency limits — without adding headcount. Verifies right-party contact and confirms identity before any account detail is disclosed — on every call.
Which problems does it solve for Banking & Finance teams?
Third-party agencies charge 30% commission — the bank keeps only 70¢ of every dollar recovered. Fees scale with success: recover more, pay more — cost has no ceiling. Customer conversations are outsourced, off-brand and outside the bank's direct compliance oversight. No control over script adherence, disclosure consistency or escalation quality.
What business value can we expect?
Predictable platform cost. Not a commission. Not a share of recovery. Not a relationship you don't own. Every $1 invested → $18 recovered.
Does a person stay in control?
Yes. The agent works within limits you set for each process: what it may do on its own, what needs human approval and what it may never do. Every action is logged, reviewable and reversible.
How quickly can it be deployed, and where does it run?
Most teams start with a four-week pilot: scope one process in week 1, run the agent alongside your team with human approval in weeks 2–3, and measure the results against the baseline in week 4. It works across Outbound voice · SMS, and can be deployed in the cloud, hybrid or fully on-premise.
06 — Explore
More for Banking & Finance.
Every agent can be combined, adapted or built from scratch around the way your business runs. See all 29 solutions →
24/7 Multilingual Customer Service AgentAnswers the routine 80% instantly — in four languages, around the clock — so people handle what truly needs a human.
Loan & Financing Application & KYC AgentTurns a pile of documents into a decision-ready file in minutes — the credit call always stays a banker's.
Fraud & Transaction Monitoring Assist AgentDoes the gathering and the write-up, so analysts spend their expertise on the decision — not the paperwork.
AML & Regulatory Reporting Support AgentAssembles evidence and drafts regulator-ready reports, so specialists review and sign off — not copy and paste.
SME & Business Banking Relationship AgentWatches the signals across your whole book — and prompts the right nudge, to the right owner, at the right moment.
Internal Staff Knowledge & Operations AgentPuts the bank's best answers one question away — so every staff member can answer like your most experienced one.
Outbound Collections Voice AgentReaches the right party, verifies identity, negotiates a resolution and takes payment in the call — without paying a commission on every dollar recovered.
Your move
Specify
your agent.
Tell us the process that hurts most. We'll have an agent working on it within weeks.
Book a demo