High-volume, low-balance books where paying people to phone each customer costs more than you would ever collect back. ClearGrid automates up to 95% of early-stage resolution and keeps cost-per-resolution below what the balances can carry.
When the average delinquent balance is a few hundred dirhams, agency commissions and call-center minutes eat the recovery. More accounts slide from a bit late to written off, and the money you set aside for bad debt quietly becomes your product's biggest cost.
AI voice, SMS and self-service carry the volume at software cost. In one live deployment: AED 3M recovered at ≈ AED 26K execution cost.
These customers never had a branch and do not want a phone call. Self-service resolution, instant payment links and AI voice where a conversation is genuinely needed. Answered-conversation conversion has run 3% → 15% against agency baselines.
Self-service plans, instant confirmations, Arabic and English, collections that feel like your product, not a call centre. Borrowers rate it 4.8/5, and repeat-purchase behaviour survives.
Journeys tuned to DPD 1–30 where BNPL books are won or lost, reminders, micro-plans and salary-cycle timing decided per account.
Bring portfolio size, average balance and current recovery rate, get a modelled comparison back.