Decade long expertise in AI, debt collections and compliance
Bridging the gap between scale and personalization through deep-rooted technology.
Empower small teams to manage massive portfolios by automating routine interactions and prioritizing high-intent accounts.
AI isn’t an add-on; it’s the core engine. Our platform integrates voice and text AI directly into your existing collection workflows.
Never leave an account untouched. Reach 100% of your portfolio on day one of every cycle with automated outreach.
Use real-time behavioral signals and historical data to determine exactly when and how to engage each customer.
Recovery Increase
Always-On Operations
OpEx Reduction
Portfolio Coverage
AI models predict customer responsiveness, optimal timing, and channel preference—helping teams prioritize high-value accounts.
Purpose-built LLMs analyze account context and historical outcomes to dynamically guide conversations at scale.
Create automated, rule-based and AI-driven collection flows tailored to customer behavior and risk level.
AI models learn from every interaction—refining targeting and messaging strategies based on real recovery outcomes.
Core Platform
Bridging the gap between scale and personalization through deep-rooted technology.
Increase recovery rates by segmenting customers based on financial context while maintaining respectful conversations.
AI determines the right time, channel, and message for each customer—reaching accounts without increasing pressure.
“We needed one partner to crack text, email, outbound calls, and chat all in one place and then, we found Skit.ai.”
Deploy specialized AI agents that handle specific tasks across the entire lifecycle, from first contact to final resolution.
Natural voice and text interactions that build trust and reduce customer friction.
Seamlessly engage with diverse customer segments in over 12+ languages.
Connects with your CRM, dialers, and payment gateways for instant updates.
Identifies account status and confirms contact details, ensuring the right person is reached before escalation.
Handles complex settlement offers and payment structuring based on approved financial guidelines.
Collects information on disputes, categorizes them, and provides immediate automated resolutions where possible.
Secures Promises-To-Pay (PTP) and automatically schedules follow-ups to ensure commitment fulfillment.
Directly facilitates transactions via voice-guided payment processing or secure SMS links.
Gentle proactive reminders before due dates to prevent accounts from slipping into delinquency.
Skit.ai is built to operate in highly regulated collections environments, embedding compliance and security controls directly into AI-driven conversations—not as after-the-fact monitoring.
Does Skit have real-world collections experience?
Absolutely. Collections isn’t a feature of our platform — it’s the foundation it’s built on.
Skit.ai has partnered with 53,000+ creditors across 19+ debt types, powering recovery for banks, agencies, fintechs, healthcare systems, and utilities. Our AI is trained on millions of regulated consumer interactions, incorporating the language, tone, and negotiation patterns unique to collections.
Every model operates within our Compliance Layer, which aligns with FDCPA, TCPA, Reg F, and state-level rules, ensuring performance never comes at the cost of regulatory safety.
With over eight years of live deployments, one billion conversations, and $1B+ in accounts resolved, Skit.ai brings the experience, data, and compliance depth needed to deliver results from day one.
Does Skit offer pilots before full deployment?
Yes. We offer pilots.
What kind of results can you expect from a pilot?
Most clients see measurable results within the first 30–60 days:
Higher right-party contact (RPC) and promise-to-pay (PTP)
More call handling capacity for your agents
Consistent consumer experience
Our pilots are fully instrumented with live dashboards, tracking performance in real time so you can quantify impact before committing anything.
How quickly can you go live with Skit.ai?
Typical pilots go live in 4–6 weeks, depending on integration depth. We begin with a scoping and compliance alignment phase, followed by sandbox testing and production rollout.
Standard integrations use JSON-based APIs or SFTP templates, making setup straightforward. Our team handles mapping, QA, and go-live support, ensuring a smooth transition with no downtime to existing operations.
Years of deep expertise in financial services, collections, and AI.
Focused research and expertise across the complete collections lifecycle.
From integration to performance, we manage the full journey.
Built on AI since 2016 to make collections more empathetic and efficient.
Compliance isn’t an add-on, it’s part of the core architecture.
Risk-free, contingency based models, when you win, we win.
Decade long expertise in AI, debt collections and compliance
AI handles high volume, your agents handle high value.
AI agents engage your portfolio across channels.
Dynamic and generative cohorts drive precise outreach at scale.
Deep integrations and pre-trained LLM enables on-brand experiences.
Predict the right customer, channel, and timing for higher recovery.
Collection LLMs bring smarter strategies and automation to scale.
Design automated, personalized collection flows, no code required.
With continuous learning loops, performance improves over time.
Powered by account data, past behavior, and signals to
shape smarter responses.
Increase delivery, RPC and cure rates by meaningfully
segmenting consumers based on financial attributes.
Reach customers at the right time, with the right message,
tone, language, and cadence.
“We needed one partner to crack text, email, outbound calls, and chat all in one place and then, we found Skit.ai.”
Human-like conversations with clarity, empathy, and consistency across every interaction.
Speak naturally across languages and dialects, adapting to regional nuance.
Seamlessly operate across voice, SMS, email, and digital platforms without losing context.
Ensures the right party is informed early and objections are addressed upfront.
Negotiates like a human – with context, empathy, and business understanding.
Leverages data and knowledge sources to resolve disputes and prepare for payment.
Increases PTP-kept with timely reminders and follow-ups for customers who intend to pay.
Helps customers choose the best payment method and complete the action smoothly.
Ensures payment plans are followed and early settlement opportunities are utilized.
“Skit.ai helped us cut down on repetitive tasks and rising staffing costs. It’s efficient, seamless, and essential.”
FDCPA, Reg F, UDAAP, TCPA, HIPAA, PCI-DSS, SOC 2 Type II
Includes Mini-Miranda, wrong-party detection, and bankruptcy flags.
AES-256 encryption, PII/PHI redaction, and consent tracking.
Real-time monitoring with 99.9%
accuracy.
Built to perform across the collections journey.
Made for collections only
We take care of your outcomes, not just implementation
Stay protected with automatic TCPA/FDCPA filters, identity validation, and consent tracking baked into every workflow.
Seamless ACH and card capture with PCI-ready flows, tokenization, and SMS fallback links that close the loop.
Plug into CRMs, dialers, and payment systems with flexible APIs, SFTP, or middleware — all synced in real time.
Dashboards for connectivity, RPC, payments, and outcomes — giving you live visibility and actionable insights across portfolios.
Decade long expertise in AI, customer experience and compliance
