Reminders before the due date
Calls a few days ahead, states the amount and the deadline, and explains the easiest ways to pay.
Microfinance & lending
Payment reminders — on time, with zero strong-arming
In lending, one rude call costs you a regulator complaint and a lost customer. Maia calls borrowers by your script: introduces herself, states the date and amount, answers loan questions and logs what was agreed. Anything contentious goes straight to a human employee.
What Maia takes over at a lender
Overdue without the conflict
Calmly flags the missed payment and asks when the borrower can settle it. The promised date lands in the contact card.
Loan questions answered
Terms, rates, extensions, early repayment — answered from your knowledge base, not from general guesswork.
Screening new applications
Asks applicants your questions, filters out poor fits and hands complete profiles to your team.
The script, word for word
You set the wording. Prohibited phrases never leave Maia's mouth — even when the caller provokes.
Every call on record
A recording and a transcript for each conversation: if a borrower complains, you pull up the dialogue in a minute.
The challenge
Thousands of near-identical calls a month, each one on thin ice: a single harsh word and you get a complaint instead of a payment.
- Reminders have to land early — while the borrower still has time to gather the money
- Overdue notices must stay calm and by the rules, not turn into an argument
- Borrowers keep asking the same things: the rate, extensions, where to pay
- Human agents get tired, snap and drift off script — and in this niche that gets expensive
How the agent is set up
- The base is split into segments: upcoming payment, short overdue, product questions — each with its own scenario
- Conversations follow your script: you set the tone, the wording and the no-go topics
- Loan questions are answered from your knowledge base: terms, rates, payment options, extensions
- New applicants are interviewed by your criteria, complete profiles go to your managers
- Calls show your number — borrowers see a familiar company, not an unknown caller
- Up to 20 conversations run in parallel, so a segment does not take weeks to call through
- The moment a call drifts off scenario, Maia connects a staff member and briefs them on the gist
Tone and the letter of the law
The big worry with automating these calls is a robot saying something it should not. Maia has less freedom than a human operator — by design.
- Introduces herself at the start of every call: the company name and the reason for calling
- Reminds, never demands: no judgments, no ultimatums, no “final warnings”
- Agreements get logged: if the borrower promises to pay on Friday, the date and amount land in the card and the call summary
- A dispute, a contested amount, a difficult life situation — immediate transfer to your staff, no attempts to push through
- Calls only at allowed times: the dialing window and the borrower's timezone are respected automatically
- Every word is recorded and transcribed — if a complaint comes in, you can reconstruct the call verbatim
The outcome
- More borrowers pay on schedule: the reminder arrives before the due date, not after
- Your call center handles the hard cases — the routine went to the agent
- The tone is identical on call one and call one thousand: Maia does not get tired or snap
- An archive of recordings and transcripts: any dispute gets settled on facts, not memory
FAQ
Frequently asked
Will the agent pressure borrowers?
No. Maia only uses wording from your script. Harsh phrasing, ultimatums and improvisation simply have nowhere to come from.
What if a borrower argues or gets confrontational?
Maia does not argue back: she connects your employee and passes along the conversation context. Every heated situation is handled by a human.
Can we limit calling hours?
Yes. You set the dialing window, and each contact's timezone is respected: no early-morning or late-night calls.
Will there be recordings for handling complaints?
Yes — a recording and a verbatim transcript for every call. If a borrower claims they were spoken to rudely, you can check in a minute.
Can reminders go beyond phone calls?
Yes. Maia also works in text channels: Telegram, MAX, e-mail and website chat. For example, a call three days before the due date — and a short message on the day itself.
How much does it cost?
Calls are billed per minute, from 5 ₽ a minute.
Next
Bring order to your payment reminders
Send us your script — we'll build the agent on it, call you back, and you'll hear for yourself the tone Maia uses with borrowers.
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