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Payment Negotiator

Adeptra's Decision Engine offers a broad view of a consumer’s history to automate payment arrangements that help consumers bring accounts back into good standing.

Bringing consumer accounts back into good standing is a positive outcome on many levels; revenues are enhanced and consumer satisfaction is increased. But it’s often difficult to identify when a consumer has the ability and willingness to meet their obligations. Most existing processes don’t provide a broad view into the consumer’s entire account portfolio and have a limited ability to offer creative payment arrangements. As a result, Decision Engine is used to determine personalized payment arrangements based on the amount past due and the payment history of the consumer.

Collections departments have limited tools at their disposal when they are negotiating a payment plan with a consumer. The personal judgment of a collections officer is the basis for predicting the likelihood a consumer will bring their account back into good standing. But all too often the view into the consumer’s relationship with the institution is limited. It may be unknown if the consumer maintains other accounts that are in good standing, or if the consumer has experienced a life-changing event such as a job loss. To enhance the success of the payment negotiation process, companies must have a comprehensive picture of the consumer’s portfolio in order to offer payment arrangements that ensure a high probability of success.

Adeptra's Decision Engine generates promises made and promises kept statistics by:

  • Creating personalized payment plans that consumers are more likely to keep including a promise kept rate of 75% and higher
  • Prioritizing based on which payment options are financially beneficial to organizations while remaining fair/feasible for the consumer
  • Fine-tuning payment strategies to increase the speed and consistency of accounts moving back into good standing

Adeptra's Decision Engine tracks key metrics based on the consumer’s history and accounts to generate creative, personalized payment offers with tiered payment arrangements prioritized to benefit consumer and institution. 
 

Payment Manager

Adeptra delivers convenience and security to consumers wishing to take advantage of the ability to schedule future and recurring payments

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Remind and Remit Assistant

Adeptra helps clients isolate consumers likely to self-cure for automated self-service

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I am a Fraud Manager

Identify Fraud Twice as Fast

Adeptra's Fraud Decision Engine eliminates unnecessary account blocks so you can penetrate deeper into lower risk pools to proactively find more fraud. Confirm suspect activity faster by interacting with consumers in every available channel: Voice, Email, SMS and Mobile app.

I am a Customer Service Manager

Engage Your Consumers

Deliver two-way interactive, multi-channel consumer conversations in real-time that are relevant and personalized. Seize the opportunity to engage with your consumers more regularly about important account details and differentiate your process from your competition.

I am a Collections Manager

Increase Collections While Reducing Charge-offs

Maximize right party contacts and self-cure rates by interacting with consumers in every available channel: voice, Email, SMS and Mobile Application. Consider the overall relationship with your consumers to offer personalized payment arrangements and resolve troubled accounts.

I am a Risk Manager

Recognize Actionable Risk Changes

Enable holistic reviews of disparate consumer data sets deliver improved knowledge of their current risk positions. This capability significantly reduces the risk to your company and increases the opportunity to interact and deliver valued add-on services to your consumers.

I want to Reduce Fraud Losses

Confirm Fraud Faster While Increasing Consumer Satisfaction

Deliver two-way interactive conversations to the consumer with relevant content and provide a vehicle to confirm and resolve fraud investigation.

I Want to Improve Collection Rates

Engage Consumers in collections conversations not messages

Deliver, negotiate and resolve the reason for the call without live representative interaction. Achieve 80% success rate in promises kept, with lower costs throughout all delinquency stages.

I want to Enhance Fraud Interactions

Partner with Your Consumers to Defeat Fraud

Examine fraud detection output and post authorization transactions to stamp out fraud earlier. With more consumers connected to their banks than ever before, Adeptra allows you to verify and resolve risk earlier in the transaction cycle.

I want to Enhance Collections Interactions

Increase Dollars Collected and Consumer Loyalty

Give your consumers the ability to self-cure within four separate automated channels. Many consumers prefer to have an automated communication rather than a live phone call. Adeptra delivers personalized conversations to consumers so that they can choose the steps to resolution that meet their needs and the banks.

I want to Redefine Customer Service

Proactively Deliver Service Excellence

Engage your consumers with appropriate, relevant, relationship-defining interactions and information. Today's consumer wants personalized information through their preferred channels.

I want to Talk to Adeptra

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Adeptra's deep domain expertise gives you the ability to successfully resolve important, time-sensitive issues related to your consumers' accounts by giving you the knowledge and power to revolutionize contact best practices.