Industry Solution

Microfinance & NBFI

AI-powered collections that recover more, faster

Built for MFIs, NBFIs, and lending institutions. Smart Dunning calls overdue customers at the best time, AI extracts payment promises from voice transcripts, and the entire borrower lifecycle — from loan disbursement to repayment — flows through one platform with full audit trail.

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45%

Faster collections vs manual

3.2x

More PTPs (promises to pay) captured

70%

Lower per-call cost (AI vs human agents)

24/7

Bengali AI agents on every channel

Real Microfinance & NBFI challenges, real solutions

We built ARA for businesses like yours. Here's how we solve the problems you actually face every day.

Problem

Field collection officers manually call 100+ borrowers per day, but only reach 30% — and human agents are expensive at scale.

How ARA Solves It

AI Voice Agent calls all 100 borrowers in parallel within 30 minutes, in Bengali. Live answers get a real conversation; voicemails are skipped via AMD. Cost: ~10% of a human officer.

Problem

Borrowers verbally promise to pay, but officers forget to log it. Payment promises lost = collection plans broken.

How ARA Solves It

Payment Promise Extraction (AI): After every call, AI reads the transcript and auto-detects commitments like 'I'll pay ৳5,000 on March 15'. Saved to invoice timeline with promise date + strength (firm/likely/unsure).

Problem

Calling at wrong hours irritates borrowers and damages relationship. But knowing the right time per borrower is impossible at scale.

How ARA Solves It

Smart Dunning Scheduler: AI learns each borrower's best contact time based on past answer rates. Respects quiet hours (no calls after 8 PM). Compliance-aware throttling.

Problem

Audit trail for regulator: 'show me every interaction with this defaulter'. Currently scattered across paper, SMS, WhatsApp, and officer memory.

How ARA Solves It

Cross-channel customer 360: Every WhatsApp message, voice call (with full recording + transcript), SMS, and field visit — automatically logged to one borrower timeline. Export to PDF for compliance.

Built for Microfinance & NBFI

Features designed specifically around your industry's workflows.

Smart Dunning (AI-Driven)

Best-time-to-call algorithm per borrower. Quiet hours respected. Auto-escalation rules: SMS → WhatsApp → voice → field officer.

AI Voice Agent (Bengali)

ARA calls borrowers in native Bengali, asks about repayment, captures DTMF for callback, or transfers to officer for negotiations.

Payment Promise Extraction

AI parses call recordings to auto-detect commitments. Categorizes by firmness (firm / likely / unsure / refused). Schedule auto-follow-up on promise date.

Voice Broadcast for Reminders

Mass payment reminders — 10,000 borrowers in one campaign. Personalized with borrower name, due amount. AMD detection skips voicemails.

Loan Lifecycle CRM

Borrower profile with disbursement, EMI schedule, payment history, communications, field visits. Custom fields for credit score, guarantor, collateral.

Quiet Hours & Compliance

Configurable per-region quiet hours (e.g., no calls Fri 12-2 PM in Bangladesh). Bangladesh Bank compliance ready. Audit log for every action.

EMI Scheduling + Auto-Reminders

Auto-send EMI due reminders 7/3/1 days before due. SMS first, then WhatsApp, then AI voice call if unpaid. Configurable per borrower segment.

Field Officer App + Routing

Mobile-friendly view for field officers: today's collection list, optimal route, log payment + photo proof, capture customer signature.

Quotations → Invoices → Receipts

Generate loan disbursement quotes, EMI invoices, payment receipts. PDF with your branding. Multi-currency. BD VAT compliant.

"Smart Dunning + AI Voice cut our collection officer costs by 60% while increasing recovery rate. Borrowers don't even realize they're talking to AI — that's how natural the Bengali is."

Operations Director

Leading MFI, Dhaka