Conversational AI Built for Credit and Collections

Automated, empathetic, and compliant customer engagement across digital channels at scale

conversational ai

Speak to a member of the team to find out more about Aryza Engage

Download the Aryza Engage brochure 

Learn how Aryza Engage combines conversational AI, automation, and intelligent workflows to improve engagement, reduce operational costs, and support compliant customer journeys.

Collections, Credit Management, Banking, Utilities, Telco

Conversational AI for regulated credit & collections

Aryza Engage is a powerful AI-driven communication platform designed specifically for credit, collections, and arrears management. It enables two-way messaging with customers via WhatsApp, SMS, web chat and more – helping organisations improve engagement, reduce agent workloads and ensure compliant, personalised customer journeys.

By combining conversational AI with automation, self-service and intelligent agent support, Aryza Engage transforms the way creditors interact with customers in financial difficulty – while improving outcomes at scale.

The platform also offers a digital annual review module, enabling seamless customer engagement for Income & Expenditure (IE) reviews. This bolt-on solution integrates with existing case management systems to streamline document collection, reduce operational effort, and improve the customer experience – all in line with SFS Guidelines and Consumer Duty requirements.

Benefits

Aryza Engage is built to reach more customers, keep them engaged, and move them to positive outcomes; automating conversations and collecting payments with maximum efficiency.

 

Blends Self-Service with Agent Handover
Bridges the gap between rigid self-service and resource-heavy phone calls. Includes digital IE journeys and real-time agent escalation when needed.
Channel Flexibility
Deploy once and engage customers via WhatsApp, SMS, webchat, email, or secure portal — depending on journey stage and preference.
Built for Credit and Collections
Our Custom Credit and Collections Language Model is trained on real industry conversations. It understands the nuances of credit/debt-related interactions, regulatory language, and customer sentiment.

Improved Business Outcomes
Clients see 7–12% uplift in collections, 75% lower operational costs, and 3–5x higher engagement on channels like WhatsApp compared to phone.

Better Customer Engagement and Experience
Accurately understands natural language and intent — enabling smoother conversations and faster completion of tasks like income reviews or payment arrangements.

Efficiency Without Increasing FTE
Lower your cost to collect or process reviews without growing your team – automation and intelligent workflows do the heavy lifting.
Integrated Document Collection & E-Signatures
Customers can upload and sign documents electronically, supporting use cases like annual reviews, budget reviews, or case documentation.
True Conversational AI, Not Just Bots
Enables complete self-service journeys – from early-stage outreach to completed payment plans or promises to pay.
Configurable, Compliant Workflows
Fully customisable workflows, templates and document rules – aligned with SFS Guidelines and Consumer Duty standards.
Maintain Compliance
All conversations are logged, auditable and adhere to regulatory standards – supported by pre-approved messaging frameworks and ISO-certified data practices.

Real Results with Aryza Engage

Here’s what our clients are achieving with conversational AI:

Over 70%

increase in customer engagement

Up to 90%

reduction in agent handling times

380-420

daily closed conversations vs 50-70 phone calls

Up to 76%

increase customer/ payment wins

FAQ

How is the AI trained?
How does Aryza Engage ensure regulatory compliance?
How does Aryza Engage support live agents?
Can Aryza Engage support annual reviews and document collection?

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