Collections with AI: the reminder that actually goes out
February is the month receivables tell you what happened in December. Invoices at 30 and 60 days, good customers who simply forgot, and one collections person with two hundred accounts and a spreadsheet. The reminder goes out when there is time. There rarely is.
This is where AI pays back quickly, because the process is already written: read the aging report in the ERP, check that the invoice was accepted, draft the message with the right amount and date, and send it on the channel the customer actually reads. If the next step is a payment link, gateways come in. If it is a conversation, the Respond.io inbox.
What the agent does, and what it does not
- Does: reminders by aging bucket, with the real balance and your brand voice.
- Does: an account summary for the person about to call — recent invoices, payment promises, who replied.
- Does not: negotiate a settlement or waive interest. A person signs that.
The model does not collect better than your best collector. It collects the same way every day, including the Monday after a holiday.
Collections do not fail for lack of judgment. They fail because the reminder never went out.
If too many rows on the aging report are past 60 days, bring the report. We connect the first bucket in weeks.