AGENLY

Agentic AI Platform for Debt Resolution

Agenly is a cloud-native, SaaS platform for customer resolution powered by Agentic AI. AI agents engage customers through messaging, guide conversations and enable payments across channels such as SMS and Viber.

AI-driven customer conversations
Predictive outreach optimisation
Automated repayment journeys
Rules-based financial governance

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40%

lower
operational costs

10%

improvement
in recovery rates

25%

lower
cost-to-collect

HOW IT WORKS

For Borrowers

Resolve financial obligations through a
simple conversation

1

Customer receives a notification via SMS or Viber

2

Customer opens the message and starts a conversation with the AI agent

3

The customer can check balance, view account information or ask questions

4

The AI agent proposes options: pay now, choose a repayment plan or commit to a payment date

5

The customer completes the payment directly within the conversation

6

Confirmation and resolution summary are provided

DIGITAL
OUTREACH
CONVERSATION WITH
AI AGENT BEGINS
ACCOUNT
INTERACTION
GUIDED
RESOLUTION
SECURE
TRANSACTION
CONFIRMATION

How it works

For Collection Teams

Manage collections with full visibility and control

Case Import

Cases are imported from servicing or collections systems
Engagement Intelligence

Machine learning identifies the best time, channel and probability to engage
AI Conversations

AI agents manage conversations across messaging channels
Smart Workflows

Policy-driven workflows determine repayment options and treatment strategies
Payment Recording

Payments, commitments or repayment plans are recorded
System Sync

Outcomes synchronise automatically with operational systems

Key Capabilities

Next-gen features for smarter partner management.

Digital Customer Engagement
Automated Collections Workflows
Structured Case Management
AI-Assisted Interaction Intelligence
Performance Insights & Operational Analytics

Digital Customer Engagement

Digital outreach across SMS and Viber using configurable campaigns, personalised templates and conversational AI interactions.

Automated Collections Workflows

No-code workflows that automate treatment strategies and case progression across portfolios.

Structured Case Management

Centralised lifecycle management including repayment plans, promises to pay, suspensions and treatment outcomes.

AI-Assisted Interaction Intelligence

Conversational AI and machine learning identify customer intent, extract relevant information and optimise engagement timing.

Performance Insights & Operational Analytics

Built-in analytics covering campaign performance, engagement activity, recovery metrics and channel effectiveness.

GOVERNANCE & COMPLIANCE

Built for Regulated Financial Environments

Rules-based financial decisioning

Repayment plans, eligibility checks and financial outcomes are governed by configurable business rules.

Full interaction traceability

Case actions, user activity, conversation events and AI-assisted interactions are recorded in a comprehensive audit trail.

Vulnerability management

Structured processes help organizations identify and appropriately support customers experiencing financial or personal hardship.

GDPR data protection

Designed to operate as a Limited Risk AI system under the EU AI Act, ensuring transparency in AI-assisted interactions while avoiding autonomous financial decision-making.

EU AI Act transparency

AI supports customer engagement through intent detection, information extraction and guided interactions, while operational decisions remain governed by deterministic workflows.

Frequently Asked Questions

Who is Agenly designed for?

Agenly is designed for organisations managing large volumes of consumer financial obligations — including banks, credit servicers, debt purchasers and collection agencies. The platform supports early-stage (amicable) collections, where digital engagement and self-service resolution can improve contact rates and operational efficiency.
Do I need Qualco Collections & Recoveries (QCR) to use Agenly?

No. Agenly integrates with your existing loan servicing, receivables and collections systems. For organisations using QCR, Agenly manages digital engagement while QCR remains the system of record.
How does Agenly integrate with existing systems?

Agenly integrates through REST APIs, secure file transfer for batch data exchange and event notifications that synchronise outcomes with servicing or CRM systems.
Does the AI make financial decisions?

No. AI supports conversational engagement and intent understanding. Financial outcomes such as repayment options and treatment strategies are governed by deterministic business rules.
Can conversations escalate to a human agent?

Yes. Customers can request human assistance at any point, and conversations can automatically escalate to a human agent when confidence thresholds or operational rules require it.
How is customer data stored and protected?

Customer data is stored within secure enterprise cloud infrastructure with tenant isolation, strict access controls and configurations aligned with local regulatory requirements.
Which communication channels are supported?

Agenly currently supports digital engagement through SMS and Viber. Additional channels, including WhatsApp and others, are planned in future releases.