Symend's AI-powered platform helps financial services companies reduce delinquencies, lower operational costs, and retain valuable customers—turning collections into a competitive advantage
Poor recovery rates High operation costs Erosion in trust & loyalty
+10% recovery rates -50% OpEx costs Improved customer trust & LTVUnmanageable rise in delinquency-related call volumes as economic pressures push more customers past due, overwhelming traditional collections processes.
AI-powered early intervention identifies at-risk customers before they miss payments, deploying behavioral science-driven engagement with personalized messaging and flexible payment arrangements.
Up to 10% improvement in recovery rates, faster time-to-cure.
Legacy collections systems require costly manual follow-ups and high agent volumes, making it unsustainable to manage growing delinquency portfolios profitably.
Automated digital journeys with self-service payment tools empower customers to resolve past-due balances independently, freeing agents to focus on high-priority cases.
85% reduction in agent interactions, 50% reduction in OpEx costs.
Aggressive collections tactics damage customer relationships, driving profitable customers to competitors even after accounts are resolved.
Proactive, empathetic engagement identifies "willing but stretched" customers early, connecting them with supportive solutions rather than punitive demands to preserve long-term relationships.
30% reduction in voluntary churn, increased customer lifetime value, 10x ROI.
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."
Kim Vey | Director, Client Operations at TELUS
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.
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Symend's AI-driven platform delivers up to 10% higher recovery rates by identifying at-risk customers early and engaging them with hyper-personalized messaging before delinquencies escalate. Using Delinquency Archetypes and behavioral science, Symend's AI predicts customer behavior and generates optimized engagement flows that drive repayment action. With 9+ years treating 250+ million delinquencies and $50B+ in recoveries, Symend transforms collections from reactive pursuit to proactive engagement.
Financial services collections face unique challenges: diverse product portfolios require different engagement strategies, regulatory scrutiny is intense, and customer relationships directly impact cross-sell opportunities and lifetime value. Symend's AI addresses these dynamics by combining behavioral science with real-time optimization across four levels—scoring, segmentation, messaging, and journey iteration—delivering personalized engagement that balances compliance, retention, and recovery performance.
Symend's AI determines each customer's journey using Delinquency Archetypes and behavioral insights—decoding whether someone forgot a payment, is experiencing temporary hardship, or feels overwhelmed. The platform generates hyper-personalized engagement with embedded behavioral science tactics proven to work best with each customer's profile—delivering the right message, through the right channel, at the right time, achieving cure rate improvements of 60+ basis points.
Symend requires minimal data to get started—as few as 12 fields in a flat file. The platform's data ingestion and normalization technology makes onboarding low-friction without extensive IT resources. Symend scales from simple flat files to real-time API integrations with common core banking platforms, delivering rapid time-to-value. Clients have deployed Symend across credit cards, personal lines of credit, student loans, and auto loans.
Symend integrates built-in compliance safeguards into all engagement strategies, ensuring communications meet regulatory standards—including CFPB and state requirements in the US, FCA Consumer Duty in the UK, and provincial regulations in Canada. The platform's audit-ready approach includes consent management, contact frequency limits, and documentation of every customer interaction, aligning with regulatory emphasis on fair treatment while improving recovery outcomes.
Symend's platform connects customers facing financial difficulty with payment arrangements, hardship programs, and flexible options before situations become unmanageable. By treating financial hardship as a shared challenge and using behavioral science to empower rather than pressure, Symend helps financial services companies support "willing but stretched" customers while meeting regulatory expectations—reducing charge-offs and turning difficult moments into opportunities for long-term loyalty.
Symend reduces charge-offs by engaging customers earlier in the delinquency cycle with AI-optimized engagement flows that drive repayment action before accounts become uncollectible. With up to 10% higher recovery rates, improved roll rates, and faster time-to-cure, Symend minimizes accounts requiring write-off. Financial services clients have seen cure rate improvements of 60+ basis points, translating to millions in additional collections and reduced bad debt provisions.
Financial services companies managing millions of accounts need scalable solutions that reduce cost-to-collect. Symend's AI-driven automated outreach delivers 85% reduction in agent interactions and 50% reduction in OpEx costs. Self-service payment tools allow customers to resolve delinquencies independently, while Symend uses 6x fewer outbound calls than traditional approaches. The platform's single interconnected system continuously optimizes to drive incremental value at scale.
Symend starts with a 90-day pilot implemented in weeks, not months. The AI model begins training after the first 24 hours of data ingestion, with cohort performance reviews at 40-day and 80-day intervals. Upon completion, clients receive full analysis, monetary impact breakdown, and next steps to ramp to production. Professional services with collections and behavioral science expertise are included for white-glove implementation.
Symend delivers proven 10x ROI through multiple value streams: up to 10% higher recovery rates, 85% reduction in agent interactions, 50% reduction in OpEx costs, improved roll rates, and reduced charge-offs. Financial services clients have achieved millions in additional collections and significant call center savings within six months. Symend operates on a consumption-based SaaS pricing model—all professional services included with no hidden fees.
Because keeping customers is as important as recovering debt.
