Retain’s white-label digital debt collection software is powered by Heartbeat, a patented artificial intelligence engine that transforms customer outreach from static into a dynamic, intelligent debt recovery solution.
Retain’s AI decision engine performs a dynamic analysis of account holder engagement and considers millions of historic data points to select the best digital channel, message and timing for each individual account and maximize collections performance.
Retain’s AI dynamically selects the best next step for each individual customer without traditional, rigid campaigns or segmentation.
Using data-informed outreach, Retain’s AI automates personalized message, channel, and timing to minimize unproductive communications and improve repayment rates.
Retain’s AI is built with compliance in mind, reducing human errors by automatically aligning content to compliance with state-level channel and disclosure controls. Safely deliver email and SMS based on guidelines for debt collection communication timing and frequency while reducing operational costs.