Fragmented tools make collections expensive. Datacultr unifies engagement, reach, and recovery into a digital workflow for faster, more efficient collections.

Engagement

• TruCall: Reduce collection costs by 75%
• Flash Message with CTAs: Increase on-time payments by 25%

Reach

• TruNumber: Access in-use numbers to drive 4X more recoveries
• TruLocate: Improve collection rate by 30% with real-time location

Collection

• TruPromise: Drive 12X higher payment follow-through with trackable commitments
• TruNotice: Drive 60% higher recovery with verified legal delivery

Timely repayments improve portfolio performance and reduce collection effort. Datacultr drives payment discipline by making repayment obligations visible and actionable directly on the customer’s device.

Direct-to-Device Engagement

• Payment reminders delivered directly to the device screen
• Persistent alerts that customers cannot easily overlook
• Clear CTAs that guide customers toward repayment

By placing repayment reminders where customers are most likely to notice and engage, Datacultr increases on-time payment rates and reduces manual follow-ups by 80%.

Reducing default risk requires consistent enforcement when delinquencies persist. Datacultr enables lenders to maintain control over financed or subscription-linked devices across the entire repayment lifecycle.

Device-Level Enforcement

• Trigger device lock actions remotely when payments are missed
• Restrict access to essential device functions during delinquency
• Escalate enforcement progressively to drive repayment compliance

By linking repayment behaviour directly to device functionality, Datacultr limits prolonged delinquency and reduces non-performing loans by up to 67%.

Customer engagement drops when communication is mistimed, irrelevant, or missed. TrueDigi, Datacultr's AI-powered customer engagement platform, connects with the right customer, at the right moment, through the right channel across the entire lifecycle.

AI-Powered Engagement

• Engage customers across channels with verified, trackable communication
• Use behavioural AI to personalise outreach and optimise timing
• Drive consistent interaction with contextual, action-led messaging

By ensuring every interaction is delivered, seen, and acted upon, TrueDigi increases customer engagement by up to 5X and drives stronger customer response.

Improving collections is not about sending more messages. It’s ensuring they reach the right borrower and drive action. Datacultr connects directly to the device, eliminating dependency on phone numbers and delivering 100% Right Party Contact.

Reliable Customer Reach

• Reach borrowers directly on their device, not just their number
• Maintain contactability even when details change
• Drive higher response by ensuring messages are seen

By ensuring every interaction leads to visibility and response, Datacultr drives higher response and more consistent collection outcomes.

Operational costs rise when teams rely on multiple tools, vendors, and manual processes. With Datacultr’s one SDK and unified system, lenders can simplify customer engagement, collections, and recovery across the lifecycle.

• One SDK for secure, scalable communication
• One integration to manage engagement and recovery
• Direct-to-device reach without multiple communication layers

By reducing workflow complexity and infrastructure overhead, Datacultr lowers collection costs by up to 70% while increasing speed, control, and scalability.