InDebted Launches AI Voice Agent to Transform Global Collections and Double Payment Plan Success

InDebted has launched Voice, an AI-driven outbound collections agent designed to automate high-volume debt recovery calls while maintaining compliance. For fintechs and lenders, the tool offers a way to scale collections operations and improve recovery rates, with early data suggesting AI-negotiated payment plans are twice as likely to be maintained as those handled by humans.

What was announced

Voice is the fifth product in InDebted’s suite, joining Receive, Collect, Release, and Comply. The AI agent is designed to handle high-volume outbound collections calls, allowing human teams to focus on conversations that require personal intervention. It is currently available in every market where InDebted operates, supporting local languages. In the UAE, the system supports English and Hindi, with the ability to switch between them mid-call, while in Australia, the agent also handles inbound calls.

The product has undergone extensive internal testing. In Australia, a pilot version has been active since mid-2026 on a portfolio owned by InDebted. The company reports that customers who agreed to a payment plan via Voice were twice as likely to keep it compared to those who spoke with human agents. This performance is attributed to the agent's ability to explain terms clearly and offer manageable plans based on ten years of benchmarking data.

Functionally, Voice performs compliance checks before and during calls. If a customer mentions financial hardship or requests to speak with a person, the AI hands the call over to a human agent along with a summary of the conversation. Customers can also finalize payment plans and pay via secure links while remaining on the call. All call outcomes are integrated back into the client’s existing collection strategy, providing a unified view of each account. The technology is aimed at banks, lenders, and Buy Now, Pay Later (BNPL) providers managing both consumer and commercial accounts.

The companies involved

InDebted is a global collections infrastructure platform that provides debt resolution services through a digital-first approach. The company focuses on replacing traditional, often adversarial, collection methods with a data-driven strategy that emphasizes customer experience and compliance. By leveraging machine learning and behavioral insights, the firm aims to improve recovery rates for its clients, which include major financial institutions and fintech providers.

The company’s leadership includes Chief Executive Officer Chris McNamara, who joined to drive global AI initiatives, and Founder & CEO Josh Foreman, who has recently focused on product acceleration. Pierre Bergamin serves as the Chief Technology Officer, overseeing the technical development of the platform's AI capabilities. InDebted has established a significant presence in several international markets, including Australia and the UAE, where it has formed strategic partnerships to transform debt resolution. The firm positions itself as a technology-led alternative to legacy collection agencies, using its decade of benchmarking data to refine its automated agents and ensure they meet the same standards as human teams.

What FF News has reported before

FF News has closely followed InDebted's evolution as it integrates artificial intelligence into the debt recovery sector. In 2026, the publication reported on a significant leadership shift in InDebted Appoints Former Glassdoor and Morgan Stanley Execs as CEO and CFO to Drive Global AI Collections, which saw Chris McNamara take the helm. This followed a move where the InDebted Founder Returns to Product as AI Acceleration Opens New Era for Global Collections Infrastructure. Earlier, FF News covered the company's regional expansion efforts, including the appointment of a New Australian Managing Director and a Strategic Partnership in the UAE with Meedaf to transform local debt resolution.

What this means

The introduction of AI voice agents into the collections space addresses a critical friction point for lenders: the high cost and low efficiency of manual outbound dialing. By demonstrating that AI can actually improve payment plan adherence, InDebted is challenging the long-held industry belief that a human touch is essential for complex financial negotiations. This puts significant pressure on traditional debt collection agencies that rely on large, manual call centers and may lack the proprietary data required to train specialized models. The move signals a shift where compliance and consistency, enforced through code, become the primary competitive advantages in the global recovery market.