AI customer engagement for payments
A better way to get paid.
KredosAI sends each customer the right message, on the right channel, at the right moment. They pay in two taps.
In production with UScellular 路 FICO Platform
The platform
One workspace for every payment conversation.
KredosAI picks the channel, tone, and timing for each customer, then learns from every outcome. Behavioral science at scale, not volume-based calling.
- Best-channel selection per customer
- Reinforcement learning on real outcomes
- SOC 2 Type 2, compliant by design
Built to recover
Everything you need to get paid sooner.
Human-centered AI
Messages that feel human, on each customer’s preferred channel, at the moment they are most likely to act.
Always learning
The platform experiments at scale and retires the approaches that stop producing results.
Compliant by design
SOC 2 Type 2 certified, with compliance built into every message you send.
Proven in production
50%
More engagement
25×
Proven ROI
5d
Faster payments
47%
Fewer disconnects
Who we serve
Built for the enterprises that carry the portfolio.
Telecom
Telecom, Media & Technology
Recover past-due balances and cut disconnects with branded RCS messaging.
Lending
Auto Financing
Accelerate delinquent payments while protecting the borrower relationship.
Banking
Financial Services
Personalize payment outreach at scale and reduce customer churn.
Loved by the teams that carry the portfolio.
Telecom“Past-due balances cleared in weeks, not months. A year in, customers actually respond because the tone finally feels human.”
Auto lending“We recover more without ever damaging the borrower relationship. The flexibility to split a payment in two taps changed everything.”
Banking“Compliance was built in from day one. The rollout took weeks and our team trusts every message that goes out.”
Getting paid, finally in one workspace.
Branded RCS messaging
Verified, rich messages customers trust and act on, composed per person.
Real-time analytics
Engagement, payment acceleration, and ROI on your own portfolio, live.
Best-channel AI
The model weighs every channel and picks the one each customer will act on.
Recovery, tracked
Every conversation and outcome in one place your team can trust.
Stop chasing payments. Start getting paid.
The model weighs every channel and routes each message to the one that customer will act on, automatically.
See the platformVerified, branded messages customers trust, with payment built in. No portals, no friction.
See messagingReinforcement learning retires the approaches that stop working and doubles down on what recovers more.
See the engineGet started
See KredosAI on your own numbers.
Bring a portfolio. We will show you the payment lift, the timeline, and the ROI before you commit to anything.