Digital Channels

Reach Every Borrower. Improve Every Outcome.

Engage every borrower across WhatsApp, SMS, RCS, IVR, and Voice AI with intelligent, personalised journeys that improve reach, response, and repayment outcomes.

92

WhatsApp read rate

100

Device reach via SMS

11

Languages Supported via IVR

Trusted by India’s largest lenders
The Problem

Your Channels Are Digital.
But Borrower Journeys Are Disconnected.

Lenders operate without connected journeys, borrower intelligence, and real-time strategising. Thereby resulting in more communication, but not more collections.

Disconnect Channels

What gets Lost?

Your borrowers receive more communication. But every account is still treated the same.

Borrowers receive the same campaigns irrespective of their risk profile.
All channels run independently, thereby having zero borrower context.
Campaigns follow fixed schedules irrespective of whether borrowers engage or not.
Clicks, PTPs, objections, and payments do not change subsequent campaigns.
Repeated campaigns continue even when borrowers do not respond, thereby increasing costs.
The DPDzero Journey

What Carries Forward?

Every borrower receives an intelligent journey shaped by their risk, behaviour, and response.

Borrowers are grouped into risk cohorts and receive campaigns suited to their profile.
Campaigns across WhatsApp, SMS, RCS, and IVR share one borrower context.
Channel, timing, language, and communication frequency adapt in real-time.
Every borrower action determines the next-best channel, message, or intervention.
AI guardrails pause, reduce, or change outreach when a campaign or channel becomes ineffective.
The Channels

Intelligence Builds the Journey. The Right Channel Moves It Forward.

Every channel plays a distinct role across the borrower journey, combining reach, interaction, reminders, and frictionless payments to move every account towards resolution.

Whatsapp
SMS
IVR
RCS

WhatsApp

Runs interactive collection journeys using lender-approved templates
Enables quick replies, payment buttons and embedded payment links
Supports rich media for statements, reminders and repayment information
Tracks borrower responses and triggers the next collection action

SMS

Reaches borrowers across mobile devices without internet dependency
Delivers critical reminders, alerts and payment links at scale
Runs through DLT-compliant templates and communication workflows
Uses multi-provider failover to maintain consistent message delivery

IVR

Delivers automated voice reminders in multiple Indian languages
Captures borrower responses through interactive keypad inputs
Enables self-service payment actions during the borrower journey
Routes interested or complex cases for further intervention

RCS

Delivers rich cards, carousels and interactive collection messages
Builds borrower trust through verified and branded sender profiles
Enables guided journeys using buttons, responses and payment actions
Runs natively across supported Android messaging applications
The Intelligence

Every Digital Journey Starts With Intelligence. Every Interaction Shapes What Happens Next.

Borrower insights are simplified using past behaviour, helping determine the right borrower segment, channel, message, timing, and next best action.

Allocation Processing & Data Enrichment

Transforms raw lender allocations into structured, analysis-ready datasets to enable an intelligent collections strategy.

Multi-Channel Orchestration & Execution 

Executes personalized borrower journeys across channels with centralized control and real-time adaptability.

Risk Cohorting & Borrower Segmentation

Builds intelligent borrower cohorts using multi-dimensional risk cohorting ranging from R1 to R5, and other behavioral signals.

Connectivity Intelligence & Channel Optimization

Continuously learns borrower behavior to optimise channel effectiveness and reduce unnecessary outreach.

Campaign Console

Run Digital Operations at Scale

Run millions of borrower interactions through one intelligent dashboard that learns and optimizes with every response.

1.82

Interactions Sends Today

98.4

Delivered

42

Active Campaigns

70,240

Queued Next

Campaign schedule
Campaign list

The DPDzero Advantage

A collections operating model designed to align incentives, scale execution, ensure compliance, and deliver consistent recovery outcomes.

Lowest Cost Collections

Drive early-stage recoveries at minimal cost per borrower using channels where borrowers are already present.

Scalable Outreach

Reach the entire portfolio instantly across multiple channels, hence reducing flow rates.

Higher Engagement Rates

With personalized communication, borrowers respond quickly, helping improve PTPs and overall collections.

Data-Driven Strategy

Continuously optimize campaigns using borrower insights, helping to change strategies in real-time.

Built-in Compliance

Compliance Isn’t a Layer. It’s Built into Every Call.

Every borrower interaction is governed by the same standards that protect the lender, the borrower, and the brand.

DLT registered

Every communication runs through registered sender IDs and approved DLT infrastructure.

TRAI Compliant

Consent-driven communications, are enforced across every digital channel.

RBI guidelines

Every message follows RBI guidelines, no misleading claims, or inappropriate language.

Lender-approved tone

Every template is reviewed and approved with the lender’s team before it goes live.

Put your book on
Intelligent Digital Collections

Deploy advanced collectech for your staggering portfolio.