Introduction

AI Synergy is a leader in artificial intelligence technology, specializing in creating innovative IT solutions that support businesses in data analytics, process automation, and the application of AI in credit risk management. In 2025, the company approached us with a request to develop an application that not only monitors credit limits and overdue payments but also incorporates intelligent features to support communication with clients and efficient debt collection.

Client Overview

Our client is a company operating in the financial industry for 15 years, specializing in credit risk management and working with business partners. Their main challenge was not only effectively monitoring the financial status of their clients but also establishing fast and efficient communication in case of overdue payments, which required a more advanced approach and optimization.

Challenge / Problem

Before collaborating with us, the client faced several issues in managing payments:

• Lack of efficient tools to analyze the emotions present in emails from debtors.
• Low effectiveness of traditional reminder methods, which were not personalized and adapted to specific clients.
• The debt collection process was time-consuming and required frequent phone calls and emails with debtors, which did not always result in a quick response.

Process and Solutions Implemented

• Automated Client Calls – The system places automated calls to remind clients about overdue payments and enables immediate payment, improving efficiency at scale.
• Smart Reply Suggestions – AI analyzes messages and suggests responses based on tone and intent, choosing empathetic or firm replies accordingly.
• Email Emotion Detection – The system detects frustration, impatience, or resistance in emails and adjusts replies to match the emotional context.
• Payment Trend Analysis – AI evaluates payment history, calculates risk, and recommends follow-up actions like adjusting credit limits or external reporting.

Summary

After implementing the AI Bailiff application, significant improvements were observed in debt collection processes. The use of automated calls and personalized communication led to a 40% reduction in the time required to recover receivables. The emotion detection feature boosted communication effectiveness by 30%, making responses more tailored and increasing debtor willingness to pay. Additionally, the automation of client calls and email analysis saved the debt collection team 25% of their working time. The client is highly satisfied with the results, citing quicker communication and reduced recovery time.