ONE PLATFORM, Every Stage of Delinquency
Managing delinquency well means more than working a queue. It means knowing which accounts need attention, reaching account holders through the right channels, connecting to the systems your team already runs, working with the AI tools they're starting to adopt, and using data to make every decision sharper.
AKUVO brings all of it together—collections workflows, digital engagement, ecosystem integrations, and portfolio insight—in one platform built specifically for banks, credit unions, and fintechs.
Schedule a Demo
Platform
Collect
- Operations
- Workspace
- Collector Assistant
Engage
- Engagement Assistant
- Digital Channels
- Portal
- Traditional Channels
Connect
- Connectors
- API
- MCP
- Import / Export
Grow your collections operation without friction
The AKUVO ecosystem extends the Platform with the integrations, services, and partners your team relies on. Every connection runs through a unified account picture, so your collectors stay focused and your account holders get a consistent experience.
Tasks Completed
Efficiency
rate reduction
down from 40 minutes
Work every account with purpose.
Automated Playbooks, intelligent prioritization, and AI-powered tools give collectors clear direction at every stage of delinquency—so teams spend less time deciding what to do and more time resolving accounts.
.png)
Meet account holders where they are.
Digital self-service and multi-channel outreach give account holders timely, flexible ways to resolve past-due balances on their own terms—reducing inbound volume and driving earlier resolution.
RCS
Your ecosystem, working together.
Pre-built integrations with core banking systems, payment processors, and third-party partners keep data and workflows connected—so nothing falls through the gaps between systems.
Fits the stack you already have.
Five Capabilities. One Connected Platform.
Intelligent Collections isn’t a single feature: it’s a system. The AKUVO Platform is built on five connected capabilities that work together to help collections teams act earlier, prioritize better, and resolve accounts faster.
What customers say
“AKUVO isn’t a vendor: they’re a partner. The platform enforces our policies and workflows, and delivers exactly what we need without the complexity or cost of the big providers.”
"With regularity, I get contacted about showing what the AKUVO Platform can do. The platform and the results, from a debt recovery aspect, are getting a positive reception bank‑wide.”
AKUVO gave us the ability to run a modern, automated collections operation without expanding our team. Virtual Collector reaches members exactly when and how they prefer, and the results speak for themselves. It’s one of the most impactful investments we’ve made for our members and our staff.”
“We can automate, adapt, and optimize quickly. Whether it’s a repossession workflow or an early-stage contact strategy, we can make adjustments without relying on IT or third parties. That control is a game changer.”
“Virtual Collector is allowing my team to prioritize meaningful conversations with members who need help, rather than spending time on routine follow-ups. The efficiencies we’ve gained are incredible."
“When I’m trying to figure something out for day-to-day workflows, human interaction really helps. We’ve found that it makes a big difference to have a team that prioritizes understanding our needs over just referring us to a manual.”
“Every release brings new features, and the AKUVO team is responsive to our requests. The quick turnaround on adjustments, improvements, and prompt resolution of tickets exceeds our expectations.”
Ready to see it in action?
Schedule a demo to see Intelligent Collections for yourself.
Better Tools. Better Work. Better Results.
Collections work is demanding. Queues are long, decisions are constant, and every account requires judgment. Collector Assistant, automated Playbooks, and intelligent prioritization handle the repetitive work, so collectors spend less time sorting and deciding, and more time on the conversations and interventions that only a person can navigate. The right accounts surface at the right time, next actions are clear, and policies apply consistently across every collector and every account. When the tools carry the administrative load, collectors are free to do the work that drives resolution.
- AUTO USED OPEN ROAD · Last Paid 3-06-26 (90d ago)
- 3 deposit accounts · $55.36 available
Your Strategy, Running at Full Speed
Your policies don't do their best work sitting in a manual. Playbooks bring them to life, automatically executing the right activities behind the scenes and serving collectors the right next steps in real time based on each account holder's behavior.
The result is a team that spends less time interpreting rules and more time resolving accounts. Compliance stays consistent. New collectors ramp faster. And when strategy needs to change, it changes instantly, with no IT ticket required.
Every Stage of Collections in One Platform
AKUVO doesn't just support standard collections activities. Each step from day 1 of delinquency through charge off is maintained, tracked, and optimized within one centralized platform.
Say goodbye to disjointed processes spanning multiple systems of record.
An AI Teammate on Every Account
Available as an AI Add-On, Collector Assistant reads the account holder holistically, not just the account in question. Surfacing information regarding available funds, promises, behavior, eligibility, and recommends the next-best action. That's the power of powerful data and AI working together.
From skip-a-pay offers to hardship recognition to ideal contact windows, your team gets expert judgment built in. No tabs to switch, no policies to look up.
- INDIRECT NEW AUTO · Last Paid 9/15 (90d ago)
- 3 deposit accounts · $5,178 available
Data-Driven Prioritization
Prioritization of work is smarter than ever before. Your collectors work activities based on risk factors and historical behavioral information rather than blindly clicking through past due accounts.
Optional data models score rank accounts by severity, propensity, and behavioral patterns to further optimize your team's workflow.
Visualize Your Entire Collections Operation
Included with the platform subscription, collections managers and leadership gain a clear picture of user productivity, activity trends, and more. No exports. No assembly required. Just the visibility your team needs to manage with confidence.
Created
Received
Balance
| User | Created | Kept % | $ Collected |
|---|---|---|---|
| Alayna Shawna | 345 | 46% | $35,752 |
| Adena Benjamin | 95 | 53% | $30,080 |
| Sawyer Howie | 182 | 46% | $27,399 |
| Carson Janette | 224 | 54% | $26,009 |
| Dash Gary | 119 | 44% | $21,044 |
Ready to see it in action?
Better Conversations Start with Better Outreach.
Reaching account holders at the right moment, through the right channel, makes every interaction more likely to land. Virtual Collector and AKUVO’s multi-channel communications connect with account holders by phone, text, email, or digital chat, without adding volume to your collectors’ queues. Many account holders prefer to resolve past-due balances privately and on their own schedule. Digital self-service puts resolution options in their hands the moment motivation is highest, so they can act without waiting. When the experience is convenient and respectful, a difficult moment becomes an opportunity to show exactly the kind of institution you are.
SUPPORT THE CHANNELS YOUR ACCOUNT HOLDERS PREFER.
SMS/RCS, email, voice, and digital self-service orchestrated through a single playbook. AKUVO tracks every touch across every channel, respects every preference, and learns what works for each consumer. The result: more meaningful contact, less wasted effort, better outcomes.
RCS
LET YOUR ACCOUNT HOLDERS SELF-CURE
Deliver self-curing options to your account-holders such as payment processing, callback requests, partial payments, and promises-to-pay. They choose their path to cure without the need for a human collector.
AI-powered add-ons are available for Virtual Collector to chat, in real-time, through digital channels. With engagement assistant, your account-holders now have 24/7 support.
DECREASE DELINQUENCY EVEN WHILE YOUR TEAM SLEEPS
Every hour of every day, Virtual Collector works the accounts that don't need a collector, sending reminders, offering options, accepting payments, capturing promises.
By the time your team logs in, the easy wins are done. The ones that truly need them are the only ones left.
Every Interaction Tracked and Reportable
As with all other activities completed in AKUVO, every contact attempted by Virtual Collector and every interaction had with an account holder is collected in the Platform. Visual dashboards allow you to easily see the full picture and optimize strategy.
Voice Calls That Scale Like SMS
Optional AI-powered voice calling handles conversations with natural language understanding, real-time intent detection, and instant hardship recognition. Consumers get the help they need, when they call. Your team gets the calls that need their expertise.
Ready to see it in action?
Your systems.
Your work.
One Platform
Collections runs on connected systems. When your core, your loan data, your payment processors, and your third-party partners sit in silos, work slows down, information slips through the cracks, and collectors spend their time chasing data instead of resolving accounts.
AKUVO connects the systems you already run, so every collector, every account, and every decision works from the same real-time information. When your systems are connected, your collections operation runs faster, is more accurate, and built to scale.
Fits the stack you already have.
Texting
Dialer
Bureaus
Banking
However the work gets done, it runs through AKUVO
The way collections work gets done is changing. Today, a collector clicks through the platform to work an account. Tomorrow, AI will help carry more of the load. Either way, the work runs through AKUVO. Every action carries the same compliance checks and audit trail, whether it's done by a person or with AI. Nothing happens off the books.
The result: a platform that works the way your team does today, and is ready for how collections will work tomorrow.
applied
logged
Bankruptcy Monitoring That Runs Itself.
Before connecting to BankruptcyWatch through the AKUVO Platform, FAIRWINDS managed bankruptcy notifications from emails, physical mail, and lock boxes—a manual process with real compliance exposure. After integration, portfolio scrubbing runs automatically every night. Missed notifications were nearly eliminated, processing efficiency increased 33%, and the bankruptcy specialist gained 25% more time each day for higher-value work.
Ready to see how AKUVO connects with your organization?
Your Accounts don’t stop at charge-off
Every AKUVO Platform installation includes the tools needed to manage charge-off assignments, automate recommendations and approvals, and track recovery cases. For organizations seeking greater automation and financial control, AKUVO Recovery is available as an optional add-on, supporting activities like balance calculations, transaction tracking, accounting records, repayment plans, and more.
| Date | Code | Description | Amount | Recovery Balance |
|---|---|---|---|---|
| 9/2/26 | EXPENSE | Reimbursable Expense | $300.00 | $9,003.32 |
| 9/2/26 | EXPENSE | Reimbursable Expense | $500.00 | $8,703.32 |
| 9/2/26 | IB | Initial Balance (Principal) | $8,203.32 | $8,203.32 |
INCLUDED IN THE PLATFORM: Charge-Off Support from Recommendation through Assignment
Playbook-Driven Recovery
Charge-off is one of the most rule-bound processes in your operation, and one of the most manual. Playbooks change that. Define the criteria that trigger charge-offs, whether that's portfolio, days delinquent, or any condition your institution uses today, and accounts move through the process start to finish, with or without an approval step. The same Playbook engine that drives your collections strategy now carries the account across the charge-off line.
Every Expense Follows the Account
Repossession costs, fees, and case expenses have a way of living in spreadsheets and separate systems, which means the deficiency number is always a reconstruction. AKUVO transfers expenses from the repossession case into recovery the moment an account charges off and calculates the total deficiency for you. Prefer to control the timing? Transfer manually in the workspace instead. Either way, the number is defensible, and the audit trail is intact.
transfer
Balances Stop Being a Mystery
Recovery accounts don't disappear from your portfolio, but in most systems they disappear from view. The Recovery workspace keeps at-recovery balances, post-charge-off transaction history, and the ledger entries behind every transaction in one place, so your team can track exactly where an account stands without leaving the Platform or pulling a report.
Balance $9,003.32
The account is charged off.
The relationship doesn’t have to be.
A charged-off balance still has a person behind it, and most of them want a path back. Build a repayment plan in the workspace or generate one automatically through Playbook. Send the schedule by email or letter, accrue interest on plans and recovery accounts, and when a scheduled payment slips, queue a text, email, call, or letter using the same multi-channel strategy your collectors already run.
Balance $8,553.15
See what AKUVO Recovery can recover for you
Tell us a little about your institution and we'll walk you through AKUVO Recovery: repayment plans, interest accrual, and outreach that runs on the same strategy your collectors already use. We'll also show you how it connects across the AKUVO Platform, from the first missed payment through final recovery.
INTELLIGENCE LAYERED ONTO EVERY INTERACTION
Take full advantage of the latest collections technologies with AI functionality built specifically for the AKUVO Platform. Purpose-built to enhance both operations and borrower experiences.
Collector Assistant and AI-Powered Text, Chat, & Voice work side by side — one inside your collectors' workspace, the other in front of your account holders through AKUVO's Virtual Collector. Both powered by the same AKUVO data. Both delivering the next-best action at the moment it matters. The work gets smarter automatically.
Schedule a Demo
- INDIRECT NEW AUTO · Last Paid 9/15 (90d ago)
- 3 deposit accounts · $5,178 available
.png)
AN AI TEAMMATE FOR EVERY COLLECTOR
Your collectors can't carry every policy, every account detail, and every best practice in their heads. The Collector Assistant does it for them. It reads each member holistically, across all accounts, payment behavior, promise history, available funds, and hardship signals, and surfaces exactly what to do next.
Prioritized actions, offer recommendations, optimal contact windows, and liquidity opportunities are delivered in real time, inside the platform, before the first word is spoken. Your newest collectors perform like your best ones. Your best ones get faster.
- INDIRECT NEW AUTO · Last Paid 9/15 (90d ago)
- 3 deposit accounts · $5,178 available
24/7 AI DIGITAL SELF-SERVICE.
NO HUMAN REQUIRED.
Account holders don't want to wait for a call. AKUVO's Virtual Collector meets them through the digital channels they already use and our conversational AI handles the full resolution conversation on its own. It answers questions, presents options, negotiates arrangements, and guides account holders to self-cure, driven entirely by your institution's policies.
There's no script, no handoff queue, and no after-hours gap. Every interaction is captured and reportable in the AKUVO Platform. Your team focuses on the accounts that need them. The rest resolve themselves.
VOICE CALLS THAT SCALE LIKE SMS
AKUVO’s AI-powered voice doesn't wait for account holders to call, it reaches out to them. Powered by natural language understanding and intent detection, it conducts outbound conversations that feel human: identifying hardship, presenting options, and negotiating arrangements on the spot.
It's trained specifically for collections interactions and driven by your policies, so it operates consistently and compliantly at scale. Your team gets the calls that genuinely need their expertise. Everything else gets handled.
Ready to harness the future of collections technology?
Available for AKUVO Platform customers.
ROI Worth Celebrating
