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Fatima, Payment Reminder & Soft Collections

Every borrower called, every month — politely, compliantly, on record.

Built for
Banks, Microfinance & Lending
Voice
sindhi-professional
Call length
1:20
Channels
Phone · WhatsApp · Web
Listen to the call
Fatima takes a call9 turns · Urdu · voice “sindhi-professional0:00 / 1:20

Agent — sindhi-professionalCaller — mohalla-patriarchClick any line to jump to it

What it costs today

Microfinance and consumer-lending books live or die on collection efficiency. Field recovery officers are expensive and cover a handful of borrowers a day; aggressive third-party collectors create regulatory and reputational risk that regulators now punish.

What Fatima does instead

Fatima calls the whole portfolio on a schedule — pre-due nudge, due-date reminder, graduated post-due follow-up. She offers digital payment rails, captures promise-to-pay dates, routes hardship cases to restructuring, and records every call for audit.

Target impact

What it is hired to move

Modelled from published industry benchmarks, not measured from a live deployment. We agree them as the pilot’s success criteria, then prove them on your data.

+9 ptsCollection efficiencyon 1–30 day delinquency buckets
PKR 11Cost per contactvs PKR 400+ for a field visit
100%Compliancescripted, recorded, tone-controlled, fully auditable
Integration & commercials

What it plugs into

An agent that cannot read your systems is a recording. Fatima is wired into the ones that hold the answers, and writes every outcome back.

Core banking / LMSEasypaisa, JazzCash, Raast payment linksCredit bureau reportingCollections CRMIVR & SMS gateways
One-time setupPKR 600,000
Monthly licencePKR 250,000
Included volume25,000 calls/mo
Beyond thatPKR 8 / call