Symend’s AI-Driven Behavioral Science Engagement Platform Has Cured +250M Delinquencies

+8%
Increase in Recovery Rates
-50%
Reduction in OpEx Costs
10x
Proven ROI With Symend

“Symend became a critical service for TELUS overnight.
As call volumes skyrocketed and customer uncertainty continued to rise — having Symend as a trusted partner allowed us to continue to provide outstanding customer service and build stronger relationships with our customers.”

Traditional collections strategies are costly, and perform poorly with increasingly overwhelmed consumers.
BEFORE SYMEND

Symend uses Behavioral Science to predict your customers’ behavior & generates AI-optimized engagement.
AFTER SYMEND
Symend produces AI-optimized engagement flows which are constantly adjusting to behavioral signals from your customers.
Professional services with collections and Behavioral Science expertise
See results in weeks not months
Spend $1 with Symend and get $10 back in value
Maintaining disparate traditional collections systems is overwhelming & ineffective.

Symend’s single interconnected system is simple, easy to implement & constantly optimizing.


Simply send us your data — we’ll ingest from any source, and unify your data for consistent analytics, engagement & reporting.

We generate scores which drive segmentation based on likelihood to repay, relapse, or respond.

We segment & assign psychological archetypes, informed by behavioral science, which guide tone, timing, & channels.

We deploy personalized & dynamic engagement journeys which integrate behavioral science tactics.

Real-time engagement data drives AI insights which continuously refine segmentation & journeys, iterating over time to drive incremental value.

Our process accelerates collections learning and outcomes, backed by our expert team's white-glove service and behavioral science strategies.
-85%
Reduction in Agent Interactions
-50%
Reduction in OpEx Costs
10x
Proven ROI With Symend




Symend is proven to deliver over 10x ROI. Get your custom report on how we can improve cure rates, LTV & reduce OpEx costs for your unique business today.


“Effective debt recovery starts with understanding the customer—driving engagement and results.
I’ve seen customer responses to how we used to do things, and I see better results with a more strategic, customer-centric approach. I honestly believe all companies need to make this shift.”







Driving empathetic engagement & recovery with behavior-driven AI in an uncertain economy

How to break through the barriers to repayment by reducing friction and connecting with empathy

Why horizontal AI tools like ChatGPT and AWS SageMaker aren’t built for debt recovery
Unpack some of our most commonly asked questions. Don’t see what you’re looking for? Speak to our team today.
Symend is a next-gen engagement platform transforming enterprise collections with the power of AI and Behavioral Science. Symend predicts a customer's behavior based on Delinquency Archetypes and generates AI-optimized, hyper-personalized engagement journeys that break through the noise. With over 9 years of experience treating over 250 million delinquencies and over $50 billion in recoveries, Symend delivers up to 10% higher recovery rates, 50% reduction in OpEx costs and 10x ROI while strengthening customer relationships for enterprise telecommunications, financial services, and utilities companies.
Symend serves innovative finance and collections leaders at enterprise telecommunications, financial services, and utilities companies managing high-volume delinquent accounts. The platform helps organizations looking to improve recovery rates, reduce operational costs, and enhance customer trust. With over 9 years treating over 250 million delinquencies and over $50 billion in recoveries, Symend delivers proven results including up to a 10% increase in recovery rates, 50% reduction in OpEx costs, and 10x ROI.
Traditional collections systems are static, inflexible, and treat all customers the same. Symend's single interconnected platform shifts from demanding payment to understanding each customer's unique situation—whether they forgot, are having a tough month, or feel overwhelmed. Symend combines AI and behavioral science, empowering customers to self-cure by offering payment options like autopay and payment arrangements, nurturing each customer based on their unique engagement patterns and dynamically optimizes at four levels for unmatched sophistication and ROI.
Symend's AI determines each customer's journey informed by behavioral insights and Delinquency Archetypes. The platform generates hyper-personalized engagement through email, text, IVR and letter delivery with embedded behavioral science tactics. Symend empowers customers to self-cure by offering payment options like autopay and payment arrangements, nurturing each customer based on their unique engagement patterns and dynamically optimizes at four levels for unmatched sophistication and ROI.
Yes, Symend integrates seamlessly with existing collections systems and standard operating procedures. Symend can seamlessly ingest existing data sources such as CRMs, risk scoring, dialler files, and core banking systems through robust APIs and pre-built connectors. Symend offers full orchestration and execution of email, text, IVR and letter delivery through the platform or leverage a client's in-house tools.
With over 9 years of experience treating over 250 million delinquencies and over $50 billion in recoveries, Symend optimizes at four levels: scoring customers based on predicted behavior using Delinquency Archetypes, real-time re-scoring and re-segmentation throughout journeys, optimizing engagement at the individual message level, and iterating at the journey level to converge on highest-converting strategies. This AI and behavioral science approach delivers up to 10% higher recovery rates.
Symend delivers 10x ROI through multiple value streams: up to 10% higher recovery rates, 85% reduction in agent interactions and call volume reduces OpEx costs by 50%, decreased text/email/letter costs, improved write-off rates, and reduced third-party fees. With over $50 billion in proven recoveries across over 250 million delinquencies, Symend clients see millions in additional recovered revenue while strengthening customer relationships.
Symend starts with a 90-day pilot that can be implemented in weeks, not months, depending on client readiness. The AI model begins training after the first 24 hours of customer data ingestion, with cohort performance reviews conducted at 40-day and 80-day intervals. Upon pilot completion, clients receive a full analysis, breakdown of monetary impact, and next steps to ramp up to production volume. Continuous optimization ensures ongoing improvements that accelerate time-to-value.
Symend employs an enterprise-level data security framework that includes data minimization, anonymization, and encryption techniques to protect sensitive information. The platform is supported by extensive cybersecurity measures built into its Microsoft Azure infrastructure, including advanced endpoint protection, intrusion detection systems, and compliance with industry standards including SOC 2, GDPR, ISO, and CCPA ensuring client data remains secure and private throughout all processes.
Symend reduces OpEx by up to 50% through multiple cost-saving streams: 85% reduction in agent interactions and call volume, decreased text/email/letter costs, improved write-off rates, and reduced third-party fees. With up to 10% higher recovery rates and more effective outreach, accounts require fewer resources and time, allowing teams to focus where they're needed most while delivering proven 10x ROI.
Symend decodes human behavior using AI to understand the actual story behind late payments—whether someone forgot, is having a tough month, or just feels overwhelmed. Communications are customized to Delinquency Archetypes and optimized based on signals, tailoring approaches to the person based on their unique circumstances. Symend empowers customers to self-cure through payment options like autopay and payment arrangements, increasing recovery rates up to 10% while building higher customer trust and loyalty.
Symend has cured over 250 million delinquency events, recovered over $50 billion, reduced OpEx by 50% and increased recovery rates up to 10% for some of the largest companies in the world. Symend has been recognized with multiple prestigious awards including TELUS Vendor of the Year Award, Deloitte's Technology Fast 50, Microsoft ISV Impact Award, CIBC FinTech Startup of the Year, and LinkedIn Top 10 Startups.
Symend operates on a consumption-based SaaS pricing model that provides economies of scale as usage grows. All professional services, implementation support, and white-glove customer success are included with no hidden fees. The platform pays for itself through a proven 10x ROI by improving recovery rates up to 10%, reducing write-offs, and delivering 50% OpEx cost savings with results in weeks not months.