From Raw Data to the RIGHT NEXT MOVE
Every account generates data. The question is whether your team can act on it. AKUVO iQ is a portfolio intelligence application that transforms a financial institution’s own collections and servicing data into clear answers to three questions: what’s happening, what it means, and what to do next.
The impact extends beyond collections—giving risk and executive leaders the clarity to manage portfolio performance, allocate capital with confidence, and make faster, data-backed decisions across the business.
Schedule a Demo
Intelligence
- Predictive Scoring
- Data Models
- Attributes and Triggers
Insights
- Peer Benchmarks
- Trend Interpretation
- Portfolio Health
Analytics
- Performance
- Reporting
- Portfolio Views
What is happening?
Analytics provide visibility into what’s happening in your portfolio through reports, scorecards and performance metrics.
AKUVO IQ .png)
What does it mean?
Insights provide context and interpretation through benchmarks and trends, turning data points into a clear picture of portfolio health.
What to do next?
Intelligence is where data becomes a decision. Predictive models and scores work together to surface the right next action for each account. The result is a strategy that adapts continuously, so your team’s effort always flows to where it will have the most impact.
AKUVO IQ .png)
Ready to see IQ In action?
Schedule a demo to see Intelligent Collections for yourself.
Predictive Models Built on Collections Data
AKUVO iQ’s predictive models draw on a proprietary collections data lake to score every account across risk, behavior, and engagement signals. The result is a clear, data-driven action for every account—available for queues, Playbook triggers, and account records.
Models
.png)
Precision at the Onset of Delinquency
Not every past-due account carries the same risk. The Severity of Delinquency model scores accounts at the onset of delinquency—placing each one into a tier that gives your team a clear, data-driven starting point for how to respond. Low-risk accounts signal digital self-service. High-risk accounts flag the need for immediate, high-touch outreach. Your policies drive the action. The model makes sure every decision starts with the right context.
AKUVO IQ Direct Collector Effort Where Payment Is Most Likely
Propensity to Pay uses payment patterns, delinquency history, and recovery behavior—not credit bureau data—to forecast how each account is likely to perform next month. The score places accounts into one of five zones, from Healthy to Critical, giving your team a forward-looking signal for where to focus before roll-rate transitions or charge-off risk accelerates. Your policies set the response. The model puts what’s coming into focus.
AKUVO IQ The Right Channel, Determined by Data
The Channel Engagement Model identifies which communication channel each account holder is most likely to respond to—voicemail, email, or text—based on individual behavior. Routing outreach through the right channel increases the likelihood of a response and gives account holders a faster path to self-cure. The model makes sure every Playbook starts with the strongest possible contact signal.
AKUVO IQ Ready to see IQ in action?
Schedule a demo to see Intelligent Collections for yourself
Clarity That Drives Strategy
The Scorecard gives your team a structured view of portfolio health across the metrics that matter. You know where you stand, what’s working, and where to focus next.
Performance Visibility Across Your Entire Portfolio
The Scorecard organizes your institution’s performance into two metric families—Communication and Specialty—so leaders can see how work is executing, where the portfolio needs attention, and where you stand relative to other AKUVO customers. The result is a performance picture built for decisions, not just reporting.
AKUVO IQ
One Consistent View Across Every Specialty
Complex portfolios deserve consistent measurement. Every specialty scorecard follows the same eight-section structure, so performance is always comparable and leadership always has the right questions to work from.
• Volume & Trend — Is activity moving in the right direction?
• Delinquency & Exposure — Where is risk concentrated?
• Underwriting & Score Migration — How is credit quality shifting?
• Process Completeness & Timeliness — Is work getting done on time?
• Specialty Performance — How is this area executing against its goals?
• Specialty Outcomes — What are the actual results?
• Compliance & Risk Flags — Where does the portfolio need attention?
• Workflow Efficiency — Where is time being lost?
That structure gives your team a reliable framework for every specialty—delinquency, bankruptcy, charge-off, hardship, and beyond.
.png)
Ready to see IQ in action?
Schedule a demo to see Intelligent Collections for yourself.