PAIR Finance

Name of the product or service

AI-based debt collection

Votes: 46

Product or service description

PAIR Finance is a leading fintech for digital debt collection and receivables management. The company is transforming the debt collection industry with its sustainably digital, efficient and customer-centric approach. Using artificial intelligence, behavioral psychology and data science, PAIR Finance is setting a new standard in debt collection that supports businesses and consumers alike. More than 550 companies from a wide range of industries are already working successfully with the collection solution for the digital age. Founded in Berlin in 2016, the fast-growing company has a renowned private equity investor, Pollen Street, at its side. PAIR Finance has more than 250 experienced employees in Berlin, Vienna, Amsterdam and Zurich and is led by founder and CEO Stephan Stricker.

Distinction from the competition

PAIR Finance is re-imagining debt collection through the use of AI-driven digital communication. Letters are a thing of the past: instead, PAIR Finance reaches customers at the optimal time and with a personalized approach via email, text message and WhatsApp. An algorithm takes sociodemographic information into account to determine the best contact time and tone. This digital-first approach enables consumers to settle outstanding debts conveniently online and self-determined, regardless of their location. A direct link takes them to a state of the art payment page with all common digital payment solutions. PAIR Finance achieves fast responses, with 40% of people paying within two hours. The digital, personalized strategy not only has benefits for consumers, but also strengthens the brand reputation. With an empathetic tone of voice and customer service, PAIR Finance picks up people in financial difficulties and enables companies to recover missing sales without jeopardizing customer loyalty.

Product or service innovations

PAIR Finance successfully expanded into four new markets in 2023 - Switzerland, the Netherlands, France, and Belgium establishing full operational functionality and compliance in each. Especially in the debt collection industry, where each country has different regulations, this is a great success. PAIR Finance is thus positioning itself as a unique and reliable partner for major customers in six countries. The Fintech's innovative approach extends to seamless client service through a singular platform. Business clients with defaulted claims in different countries benefit from a unified experience, streamlining operations with one integration, one reporting system, one application, one expert, one contract etc. across the board. This offers unparalleled convenience and efficiency for clients navigating the complexities of international debt collection.

Customer case study

Please find testimonials from selected business clients on our website (scroll down):

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