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AI

AI that understands
before it acts

Understand intent, tone and hardship in real time.  Get the next best step, not just the next message.

See Parley’s AI in action
  • AI-native from day one, not bolted onto legacy diallers.
  • WhatsApp, SMS and email today.
  • Every decision weighs context, affordability and compliance.
Parley AI engine
Neural Hub
ACTIVE PROCESSING
Scale without queues
Engage accounts within minutes, not days.
Affordability-aware
Plans matched to verified affordability.
Audit by default
Every step logged with context.

Capabilities

Faster resolution at scale.

Four capabilities. One AI engine. Here’s how it works at scale across WhatsApp, SMS and email.

Engage every account. Simultaneously.

Hold conversations with hundreds of thousands of accounts at the same time. AI decides when to reach out, which channel to use and how often to follow up. No queues. No backlogs. No capacity ceiling.

Conversations that understand and remember

Detect hardship, vulnerability and willingness-to-pay in real time, based on what customers say and how they say it. That understanding flows through a single customer view, so every message, offer or escalation accounts for prior context.

Compliance built in, not bolted on

Journeys stay within the rules you set. Consent checks, ID verification and contact policies are built into every journey, and every AI-driven action is logged with who, what and when. Full audit trail, always.

Next-best-action, driven by data.

Learn from your portfolio to recommend which accounts to advance, pause or escalate. Every recommendation exposes the key signals behind it, so risk and operations teams can understand, and challenge, how AI is making suggestions.

Architecture

AI-native architecture. Not AI bolted on.

Most collections platforms were built for phone agents first and added digital channels and AI later. Parley is the opposite: designed around digital conversations from day one, with AI at the centre and humans reserved for the exceptions that really need them.

Traditional platforms
  • Agent-first: built around call flows.
  • Digital channels as broadcast, not conversation.
  • AI as a thin layer on legacy workflows.
  • Context scattered across systems.
Parley’s AI-native architecture
  • Digital-first: two-way conversations across WhatsApp, SMS and email.
  • AI at the centre, orchestrating journeys, tone and offers.
  • One customer view carries intent and history across stages.
  • Humans focus on complex situations and vulnerable cases.

Journeys that adapt to each customer.

No fixed scripts. Journeys adapt dynamically based on behaviour, affordability and risk, within the rules you set.

  • Channel and timing adapt to response patterns.
  • Tone adjusts when hardship, confusion or frustration is detected.
  • Offers shaped by arrears, balance and behaviour.
  • Contact rules enforced as code, not memory.
  • Escalation triggered when risk or vulnerability is flagged.
What adapts automatically
policy-safe
  • Channel and timing adapt to response patterns.
  • Tone adjusts when hardship, confusion or frustration is detected.
  • Offers shaped by arrears, balance and behaviour.
  • Contact rules enforced as code, not memory.
  • Escalation triggered when risk or vulnerability is flagged.

HARDSHIP & VULNERABILITY

Spot hardship early.
Respond with dignity.

Many customers want to pay but genuinely can’t meet original terms. Find them early, support them appropriately, without losing control of risk or future good customers.

Detect hardship signals in conversations, not just static data.
Flag job loss, illness, bereavement and other distress indicators.
Route to specialised workflows defined by your policy.
Surface options aligned to affordability and risk appetite.
Maintain full records of how vulnerable customers were handled.
The result is a collections experience that is both more humane and more defensible.
AI Engine
Handles volume, timing & structure
works with
Your Team
Handles exceptions
Decisions logged & auditable

AI that amplifies your team.

Human in the loop by design. AI handles volume and structure. Your teams handle judgement and exceptions.

Designed for oversight
human-in-the-loop
  • Full conversation history and status in one view.
  • AI suggests next responses, questions and offers.
  • Supervisors set rules for human escalation.
  • Agents can override AI and record why.
  • Managers see both human and AI decisions across teams.

GUARDRAILS & GOVERNANCE

AI you can explain and defend.

Collections is heavily regulated and scrutinised. AI should operate under governance, not as a black box.

Policies for tone, offers and escalation enforced by default.
Every message, action and recommendation logged with timestamp and context.
Recommendations expose the signals that drove them.
Model performance monitored against business and risk metrics.
Controls map to your AI governance and model risk frameworks.
You stay in control of how AI behaves, and you always have an evidence trail for how customers were treated.

PILOT

See Parley’s AI on your portfolio.

Run Parley alongside your existing approach. See how AI behaves across WhatsApp, SMS and email. Measure impact end-to-end, from first message to final resolution.

Start your AI-led pilot