AI agents that turn collection calls into kept promises

A dedicated AI Agent runs the whole collection conversation. It calls the customer, verifies their identity, negotiates a payment they can realistically make, and logs the promise. Your collectors step in only when a person will change the outcome.

PROVEN WITH ING — TURKEY'S FIRST BANK ON CONVERSATIONAL AI COLLECTIONS

58%
more customer
payment agreements
50%+
of collection calls handled
without a live collector
3,000+ hrs
of collector time
saved every month

The Challenge

The answer isn't more seats. It's automation that handles routine conversations and brings collectors in when human judgment can change the outcome.
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More Accounts, Same Team

When overdue accounts rise, you need more calls and more collectors. But hiring and training takes months, while delinquency can increase overnight.
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Routine calls consume time

Reminders, balance confirmations, and standard payment arrangements consume collector time that should go to accounts where human judgment can change the outcome.
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Compliance gets harder

Disclosure and consent requirements apply to every call, but manual reviews cover only a fraction of conversations, leaving gaps in compliance visibility.

ING increased customer payment agreements by 58%

ING was the first bank in Türkiye to bring conversational AI into its collection calls. Previously, customers were offered a single pre-set payment date. With SESTEK, the AI Agent could understand each customer's situation and negotiate a realistic payment date through natural conversation.

The result was more payment agreements while collectors could focus on customers whose situations required human judgment.

"Sestek Conversational IVR provides us with automation for our collection processes. We now manage more than 50% of the collection calls to customers via Conversational IVR. As a result, customer payment agreements increased by 58% in digital channels."
ING TURKEY
> 50%
decrease in live agent workload
3000 Hrs
agent time saved every month
58%
increase in customer payment promises

Leading companies trust our conversational technologies

Great outcomes: Growth in portfolio size, CSAT and menu number shows the efficiency. Congratulations!
Stevie Awards Jury
92%
accuracy rate in menu navigation
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In collaboration with SESTEK, AI resolves 44% of calls, improving consumer experience."
General Manager
72%
first-call resolution rate (FCR)
Read more
Through the automatic detection of silence durations and advanced analytics capabilities, we achieved 704 hours of monthly workforce savings.
Customer Experience Director
704
hours monthly savings through silence monitoring
Read more
Today, 46% of our calls are handled by the Virtual Agent, and 37% of these calls are fully resolved without live agent support.
Senior Manager
46%
of calls handled by the virtual agent
Read more
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Powered by the SESTEK Agentic CX Suite

Automate the routine. Support the complex. Learn from every conversation.
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Agentic AI

AI Agents automate outreach, verification, negotiation, and promise-to-pay across collection conversations.

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Agent Copilot

Agent Assist gives collectors real-time context, next-best actions, and guidance when complex cases require judgment.

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Conversational Intelligence

AQM evaluates collection conversations for compliance, negotiation quality, and outcomes, helping teams improve every interaction.

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What this means for your collections operation

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Recover more without hiring

AI handles routine collection calls at scale, allowing collectors to focus on complex cases without adding headcount.
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Increase kept promises

AI-driven conversations negotiate realistic payment commitments, helping turn more collection contacts into successful promises.
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Lower cost and risk

Routine calls run through AI, while every conversation is evaluated against approved collection policies for compliance.
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Focus collectors where they matter

Collectors step in when disputes, hardship, or complex negotiations require human judgment, with full context available.