Unified AI-Driven Outreach Meets Frictionless Payments
By combining AI for collections with Payscout’s payment platform, banks and credit unions can now offer overdue borrowers an intuitive, self-service payment experience directly within AI-led calls, texts, and emails. Rather than toggling between separate systems for outreach and payment reconciliation, institutions benefit from:
- Integrated Workflows: When Krew’s AI agent “Daniel” negotiates a payment plan, members can instantly complete transactions via Payscout’s pay-by-link, ACH, or card payment options—without ever leaving the conversation. This tight integration accelerates cure rates and reduces administrative burden.
- Real-Time Posting & Reconciliation: Payscout’s platform offers robust support for credit/debit cards, ACH transactions, HSA cards, and more, while delivering instantaneous settlement reports and dashboards for transparent collections management.
- Outcome-Based Automation: With AI to automate collections at the forefront, institutions only pay for successful recoveries, aligning costs directly with results and maximizing return on investment.
Elevating Borrower Experience and Satisfaction
Long hold times and disjointed payment processes can erode member trust and Net Promoter Scores (NPS). The Krew–Payscout integration transforms this experience by:
- Instant Engagement & Payments
AI Collections Workers pick up inbound calls immediately and can guide borrowers through payment options in real time, eliminating hours on hold and IVR frustration. - Omnichannel, Conversational Payments
Whether via SMS, email, or phone, borrowers receive personalized payment links and reminders crafted by Krew’s AI. Members complete payments on their preferred channel, boosting satisfaction and reducing effort. - Consistent Brand Experience
Payscout’s white-labeled payment pages maintain the institution’s look and feel, reinforcing brand trust and driving higher payment completion rates.
By shortening the time from promise to pay, institutions often see significant lifts in NPS and reduced delinquencies—all while capturing the data needed to refine outreach strategies further.
Built for Compliance and Security
Ensuring regulatory adherence is non-negotiable in collections and payments. Payscout’s Paywire Gateway is PCI DSS Level 1 certified, aligning with stringent federal, state, and card‐brand regulations to protect sensitive cardholder data. Key compliance features include:
- Tokenization & Encryption: All card data is tokenized at the point of capture, preventing exposure of raw payment credentials.
- Real-Time Fraud Screening: Advanced risk-scoring algorithms flag suspicious transactions before settlement.
- Audit-Ready Reporting: Detailed logs support internal and external audits, ensuring transparency for FDCPA, Regulation F, and TCPA requirements.
Krew’s own compliance stack, KOMPLY, works in concert with Payscout’s security framework to enforce call-window restrictions, sanitize PII, and conduct continuous safety audits—providing a truly end-to-end compliant collections environment.
Continuous Evaluation and Performance Optimization
This partnership emphasizes the importance of ongoing measurement:
- Pilot Deployments: Begin with a control group and track key metrics—cure rates, time-to-payment, and NPS—against AI-powered cohorts.
- A/B Testing: Experiment with messaging scripts, payment reminders, and call strategies to identify the highest-performing combinations.
- Compliance Audits: Conduct biweekly policy reviews and quarterly third-party assessments to validate that both AI outreach and payment flows adhere to evolving regulations.
- Holistic Reporting: Unified dashboards display collections performance alongside payment conversion metrics, enabling data-driven decision-making.
These continuous evaluations ensure that the combined Krew-Payscout solution not only meets but exceeds operational and compliance benchmarks over time.
Getting Started
Institutions can integrate Krew’s AI Collections Workers with Payscout’s gateway within 4 weeks, leveraging prebuilt connectors and API documentation. Whether deployed on-premises or in a secure cloud environment, this turnkey solution supports:
- Multilingual Outreach: English, Spanish, Mandarin, French, German, and more.
- Scalable Deployment: Spin up additional AI agents instantly during peak delinquency cycles.
- Flexible Pricing: Outcome-based models tie costs directly to successful collections and payment completions.
By uniting AI-driven collections with Payscout’s frictionless payment technology, financial institutions can automate collections, reduce days sales outstanding, and deliver a superior borrower experience—all underpinned by rigorous compliance and security.
