Resources

KredosAi is a first party approach that gets customers to come up to speed on missed payments before they are sent to third party collections. We optimize for payment outcomes using AI, not volume-based calling. Our behavioral approach maintains borrower relationships while accelerating recovery.

We measure our success based on the outcomes that matter to our customers. We objectively compare our results to a control group (which could be internal, competitors or industry) to determine our benefits vs. current approach. In addition, we also do a comprehensive ROI analysis which clearly show the value to our customers.

Our Multi-Armed Bandit algorithm simultaneously tests thousands of RCS message variations in real-time, automatically shifting traffic toward better-performing messages while continuing to explore new approaches. Unlike traditional A/B testing that requires months to reach statistical significance, our AI optimizes continuously and achieves full optimization in under 2 months. The system learns from every customer interaction and personalizes messaging automatically.

A/B testing is useful when you have a limited number of options to test (e.g., A and B). Our platform is able to test several thousands of actions at the same time and quickly learn what works best for whom.

Payment recovery and collections benefit from interactive payment buttons and rich account information displays. Marketing campaigns achieve higher engagement with visual content and call-to-action buttons. Customer retention improves with personalized, interactive offers. Customer service scales with self-service buttons and quick replies. Transactional notifications upgrade with branded, trackable messaging.

We have developed a construct called message mechanics, based on 50+ years of research to help design our messages. This ensures that we have a robust set of messages that drive results from day 1.