AAQ
AI VOICE AGENTS FOR PAYMENT COLLECTION

AI Voice Agents that Stop EMI Slippage Before It Starts

Every borrower contacted before EMI rolls forward. Every intent logged. Every dispute flagged early.

  • Missed pre-due call. Borrower delays by default.
  • "Next week" with no date, mode, or commitment.
  • Disputes discovered after the due date — when buckets move.
  • Peak days overwhelm agents. Thousands go uncalled.
Get started freeHear a real conversation
Borrowers Reached~99%
Response Time<1 min
Follow-up Rate~99%
Peak Capacity10K+/day

THE PROBLEM

Most EMI Defaults Start Before the Due Date

Late payments don't begin with a refusal. They begin when no structured conversation happens before the due date. By the time finance reacts, options are gone and accounts have already rolled forward.

Missed Pre-Due Call=

Slippage

EMI due. No reminder. Borrower delays by default. Account quietly slips.

No Payment Intent=

No Control

"Next week" without a date, mode, or commitment. Finance chases blind.

Disputes Found Late=

Roll-Forward

Issues surface after the due date — when buckets have already moved.

Manual Follow-ups=

Coverage Gaps

Peak days overwhelm agents. Thousands of accounts go uncalled at the worst moment.

THE HARD TRUTH

Slippage. Disputes. Write-offs. Different symptoms. Same cause: not enough structured conversations before the due date.

THE SOLUTION

Every borrower contacted. Every intent logged. On time.

AAQ calls before and immediately after the due date — confirming payment date and mode, capturing promise-to-pay, flagging disputes, and escalating only real risk to your agents.

PREVENT SLIPPAGE

Outbound Conversations

Pre-due reminders, Day-1 follow-ups, commitment capture, payment-link delivery. Every borrower contacted before the bucket moves.

REDUCE DELINQUENCY

Inbound Conversations

Borrower queries, payment confirmations, reschedule requests, dispute clarifications — handled 24/7 in the borrower's language.

COLLECTION INTELLIGENCE

System Integration

Connects to your loan management system, CRM, and ERP. Promises, disputes and outcomes logged against the account in real time.

DEEP DIVE

Pre-Due & Day-1 Repayment

THE PROBLEM

EMI due date approaching. Borrower not contacted. No intent captured. Account slips silently into the next bucket.

AAQ STEPS IN

AAQ calls before and on the due date. Confirms payment date and mode. Logs promise-to-pay. Flags disputes early. Sends WhatsApp summary with payment link.

THE RESULT

Fewer roll-forwards. Higher on-time payments. Agents focus on real risk instead of routine reminders.

Pre-due remindersDay-1 follow-upsPromise-to-pay captureDispute flaggingRules-based escalation

HOW WE WORK WITH YOU

We don't just give you a tool — we make it work for your collections team.

  1. 01

    Understand

    Your loan products, bucket strategy, compliance and escalation rules.

  2. 02

    Configure

    We build the AI agent tailored to pre-due, Day-1, and dispute scenarios.

  3. 03

    Deploy

    Phone, WhatsApp, payment links — wherever borrowers respond.

  4. 04

    Optimize

    Measure roll-forward rate, PTP keep rate, dispute resolution. Iterate until targets hit.

From kickoff to live calls in days, not months.

WHY AAQ FOR PAYMENT COLLECTION

Built for collection realities: compliant tone, peak-day scale, dispute capture.

TYPICAL

  • Threatening scripts that create compliance risk
  • IVR blasts borrowers ignore
  • Phone-only OR WhatsApp-only
  • Generic AI that doesn't know collections
  • Self-serve API — figure it out yourself

AAQ

  • Calm, compliant tone that protects your brand
  • Voice AI that has an actual conversation
  • Phone + WhatsApp + payment links unified
  • Trained on PTP, dispute handling, bucket logic
  • We configure, deploy, and tune for your book
“We partner to reduce payment delays — not just to automate reminder calls.”
REAL CONVERSATIONS

Real EMI conversations. Real borrower responses.

In the languages your borrowers actually speak.

Pre-Due EMI Reminder

Hindi

AAQ calls borrowers before the EMI due date to confirm payment intent and mode. WhatsApp summary with payment link sent.

AAQ

Namaste, main AAQ se baat kar raha hu. Aapki EMI ₹5,000 kal due hai. Kya aap aaj payment kar sakte hain?

Customer

Haan, aaj shaam tak kar dunga.

AAQ

Bahut accha. Payment kis mode se karenge — UPI ya net banking?

Customer

UPI se.

AAQ

Theek hai. WhatsApp pe link bhej deta hoon — bas click karke pay kar sakte hain.

Customer

Bhej dijiye.

AAQ

Bhej diya. Payment ho jaaye to confirmation message bhi mil jayega. Dhanyavaad!

Day-1 Follow-Up

English

AAQ follows up immediately after the due date to capture the reason and log a promise-to-pay before the account rolls forward.

AAQ

Hello, this is AAQ calling regarding your loan account. Your EMI was due yesterday. May I confirm when you will be able to make the payment?

Customer

Sorry, my salary got delayed this month. I can pay by Friday.

AAQ

Understood. So that is Friday the 17th. Will you pay through UPI or auto-debit?

Customer

UPI. I will pay manually this time.

AAQ

Noted. I have logged a promise-to-pay for Friday. I will send the payment link on WhatsApp closer to that date.

Customer

Thank you.

Dispute Clarification

Hindi + English

Borrower has a clarification on charges or date. AAQ captures the issue, escalates only real disputes to a human agent.

Customer

Aapne extra ₹500 late fee laga di hai. Maine to time pe pay kiya tha.

AAQ

Main check karta hu. Aapne kis date ko payment kiya tha?

Customer

5 May ko — due date thi 5 May hi.

AAQ

Aapki query note kar li hai. Main hamare specialist se connect kar deta hoon, woh aapko 30 minute mein call karenge.

Customer

Theek hai, please jaldi.

AAQ

Confirm. WhatsApp pe case ID bhej deta hu — SR-9341.

FREQUENTLY ASKED

Common questions about AAQ for Payment Collection

How does AAQ reduce EMI delinquency and roll-forwards?
AAQ runs structured pre-due and Day-1 conversations on every borrower, in their language. The agent confirms payment date and mode, logs promise-to-pay, and flags disputes early — before buckets move. Your human collectors stop wasting cycles on routine reminders and focus on accounts that actually need intervention, which typically lifts on-time payment rates within the first cycle.
Does AAQ integrate with our loan management system and CRM?
Yes. AAQ connects to your LMS, core banking, CRM (Salesforce, LeadSquared, custom) and dialer. Promises-to-pay, disputes, and call outcomes are logged against the loan account in real time. Payment links are generated dynamically and delivered over WhatsApp during or after the call.
Is AAQ compliant with RBI fair-practice and collections regulations?
Yes. AAQ uses a calm, non-threatening tone by design — no harassment language, no off-script demands. Call timings respect RBI norms. Full transcripts are retained for every conversation, giving your compliance team a complete audit trail. We work with your legal team during configuration to ensure scripts meet your internal policy and regulatory requirements.
What languages does AAQ support for borrower conversations?
AAQ handles Hindi plus 10 regional languages — Tamil, Telugu, Bengali, Marathi, Gujarati, Kannada, Malayalam, Odia, Punjabi, and English — with native fluency. The agent picks the right language based on borrower profile or the language the borrower responds in, so rural and tier-2 borrowers feel heard.
How does AAQ handle peak EMI-due days and month-end campaigns?
AAQ scales horizontally. Whether you have 500 EMIs due in a day or 50,000 across a month-end campaign, every borrower can be called pre-due and on Day-1. No hiring, no overtime, no coverage gaps at the worst moment of the month.

Ready to prevent EMI slippage?

Start with one EMI cycle. See fewer roll-forwards in weeks.

Get started free

Live in days, not months. Compliance-safe. Hindi + 10 regional languages. Enterprise-grade security.