debt collection

May

Pengenalan Talkbot · Teknologi Voice AI

JAGADIRI mencapai efisiensi biaya 5.3 kali lebih tinggi dengan Talkbot dari WIZ

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Peningkatan Laju Kontak

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Perbaikan Rasio Biaya

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Lebih Hemat Biaya Daripada Agen Manusia

JAGADIRI mempunyai tujuan untuk melindungi aspirasi nasabah Indonesia di bawah naungan PT Central Asia Financial (CAF). JAGADIRI menyediakan asuransi jiwa, kecelakaan, dan kesehatan melalui saluran pemasaran digital, pemasaran telepon, dan pemasaran langsung.

“Intinya, asuransi itu berbeda dengan perbankan, ” tutur Ibu Fitriah Betan sebagai Head of Customer Experience di JAGADIRI. “Sebagai perusahaan yang menyediakan asuransi, JAGADIRI perlu melakukan panggilan pengingat premi kepada pelanggan dan terus memberikan layanan, bahkan hingga lewat jatuh tempo 90 hari.” Karena kebutuhan asuransi terjadi dalam situasi dadakan, dan perusahaan berusaha semampunya untuk melindungi para pelanggan. Menurut mereka, pelanggan perlu segera membayar premi untuk memastikan bahwa polis mereka aktif dan bisa melayani insiden yang tidak terduga.

Menciptakan pengalaman pelanggan yang konsisten dengan suara percakapan kecerdasan buatan

Kebutuhan untuk memastikan cakupan yang berkelanjutan adalah alasan mengapa JAGADIRI berupaya keras untuk mengingatkan pelanggannya akan pembayaran premi. Namun, tantangannya adalah waktu. Menghubungi pelanggan untuk pengingat premi bisa menjadi hal yang sulit dilakukan karena pelanggan bisa saja sibuk beraktivitas di siang hari. Faktor lainnya adalah kebiasaan setiap pelanggan ketika berinteraksi – suasana hati dari agen manusia atau caranya berkomunikasi bervariasi dari satu panggilan ke panggilan yang lain. JAGADIRI menginginkan cara yang lebih konsisten untuk terlibat dengan basis pelanggannya, dan memastikan bahwa para pelanggan setia bersama perusahaan.

Pada Juni 2022, JAGADIRI memutuskan untuk mengalihkan panggilan pengingat pembayaran premi ke Talkbot WIZ.AI. Pelaksanaannya dilakukan secara bertahap; pada September 2022, semua panggilan pengingat pembayaran premi sudah otomatis. Hasilnya sudah bisa membuktikan. “Sebelum Talkbot, kami memperoleh kurang dari 10 persen panggilan terhubung untuk pengingat pembayaran premi. Sekarang, secara rata-rata, kami mendapatkan sekitar 50 persen,” kata Ibu Fitriah. Talkbot juga 5.3x lebih hemat biaya dibandingkan menggunakan sumber daya manusia; perbandingan biaya untuk Talkbot sebesar enam persen, dibandingkan dengan 32 persen untuk agen manusia.

Penggunaan solusi WIZ.AI dapat memberikan hasil yang nyata ketika menerapkan pengingat pembayaran premi kami. Sebelum Talkbot, agen kami mendapatkan kurang dari 10 persen panggilan yang terhubung. Sekarang, secara rata-rata, kami mendapatkan sekitar 50 persen.

– Ibu Fitriah Betan, kepala pengalaman pelanggan di JAGADIRI Tweet

Kemitraan yang berkembang berdasarkan komunikasi dua arah

Di luar hasilnya, JAGADIRI menyukai kebiasaan WIZ.AI yang rutin memeriksa cara kerja Talkbot dan memberikan rekomendasi tentang cara mengoptimalkan solusi kecerdasan buatan. Dari tim Sales hingga Project Management, kemudian ke Customer Success dan bahkan Customer Experience, tim WIZ.AI siap membantu JAGADIRI untuk memaksimalkan penggunaan Talkbot. “WIZ.AI Customer Experience Designer membantu kami untuk menyempurnakan strategi kami dengan meningkatkan naskah perbincangan berdasarkan data yang kami dapatkan,” ungkap Ibu Fitriah. “Ada komunikasi dua arah yang sangat baik antara kami dengan tim WIZ. WIZ terus memberikan saran mengenai cara memperbaharui Talkbot, dan menerapkan saran tersebut akan meningkatkan hasil kami.”

Dengan keberhasilan pengingat pembayaran premi secara otomatis, kini JAGADIRI ingin lebih banyak menggunakan Talkbot WIZ.AI untuk berbagai macam sektor. Saat tulisan ini dibuat, tim sedang mengembangkan naskah penagihan premi untuk akun jatuh tempo dan tunggakan. JAGADIRI juga berencana untuk menggunakan Talkbot untuk panggilan selamat datang ke para pelanggan baru. “Talkbot telah mempermudah panggilan kepada pelanggan kami untuk tim Customer Experience kami,” tutup Ibu Fitriah.

Hal terbaik tentang pengalaman kami menggunakan Talkbot adalah bahwa WIZ.AI Customer Experience Designer selalu membantu kami menyempurnakan strategi kami. Ada komunikasi dua arah yang dijalankan dengan sangat baik antara kami dengan tim WIZ. WIZ terus memberikan saran peningkatan kinerja Talkbot dan dengan menerapkan saran tersebut, hasil kami akan meningkat.

– Ibu Fitriah Betan, Head of Customer Experience di JAGADIRI Tweet

Untuk mengetahui cara memanfaatkan suara AI untuk interaksi pelanggan Anda, hubungi salah satu pakar kami hari ini.

May

Pengenalan Talkbot · Teknologi Voice AI

Link Net meningkatkan jangkauan pelanggan mereka dengan WIZ Talkbots

Link Net telah menghadirkan konektivitas internet dan hiburan rumah bagi masyarakat Indonesia selama lebih dari 20 tahun dengan First Media, i-solution, dan Link Net. Saat ini, mereka melayani hingga 2,8 juta rumah di 23 kota di Indonesia. Untuk mengelola akun pelanggan, terutama saat penagihan jatuh tempo tagihan, hal itu merupakan sebuah proses yang cukup panjang.

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Pengurangan Beban Panggilan Untuk Agen Manusia

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Pelanggan Tidak Mengenalinya Sebagai Bot

“Awalnya kami menggunakan SMS untuk penagihan, yang kemudian kami tambahkan dengan panggilan keluar,” kata Pak Ikhsan Kurniawan, Head of Printing and Collection Department di Link Net. “Secara bertahap, kami beralih ke email dan sekarang, kami juga menggunakan WhatsApp. Kami juga mencoba Smart IVR, tetapi ternyata tidak cocok untuk penagihan jatuh tempo. Jadi, kami berhenti menggunakan IVR karena tidak memberikan hasil.”

Link Net juga menghadapi kesulitan dalam merencanakan kapasitas panggilan keluar untuk penagihan. Ketika tim penagihan mengalami kekurangan tenaga kerja, perusahaan akan sementara memindahkan orang dari departemen lain untuk membantu mengelola beban kerja. Hal ini mengganggu pekerjaan sehari-hari. Link Net menyadari bahwa mereka memerlukan cara yang lebih efektif dan efisien untuk melakukan tindak lanjut terhadap akun-akun yang jatuh tempo dan mulai mengeksplorasi pilihan yang dapat membantu kinerja penagihan.

Melampaui percakapan satu arah

“Kami menyukai solusi yang diberikan oleh WIZ karena Talkbot merupakan interaksi dua arah, tidak seperti IVR yang sangat terbatas,” kata Pak Ikhsan. “Ini juga membantu kami dalam menyeimbangkan beban kerja. Jika seseorang dari tim penagihan mengambil cuti melahirkan, kami dapat segera menambahkan lebih banyak bot untuk mengisi kekosongan.”

Solusi tersebut memberikan hasil yang nyata. “Ketika kami mencoba WIZ, hasil kami meningkat, terutama dalam tingkat koneksi,” kata Pak Herri Dwi Prasetyo, MIS Leader Head of Printing and Collection Department di Link Net. “Tingkat koneksi untuk agen manusia sebesar 25 persen, tetapi dengan Talkbot dapat meningkatkan menjadi hampir 50 persen.” Penggunaan Talkbot juga membebaskan agen tim penagihan dari tugas-tugas mudah namun repetitif. Serta, mengurangi beban panggilan keluar bagi agen tim penagihan menjadi separuhnya. “Ini memberikan waktu lebih bagi agen kami untuk fokus pada melayani pelanggan dengan lebih baik dan menangani keluhan yang lebih kompleks. Penggunaan bot membuat peran agen manusia menjadi lebih strategis,” tambah Pak Herri.

"Talkbot adalah strategi penagihan terbaik yang pernah kami implementasikan."

– Pak Ikhsan Kurniawan, Head of Printing and Collection Department at Link Net

Pengalaman pengguna yang luar biasa

Ketika membicarakan pengalaman mereka dengan WIZ, Pak Herri memiliki hal-hal baik untuk dikatakan. “Aplikasinya Wiz sangat mudah digunakan dan memiliki sistem validasi yang baik,” katanya. “Misalnya, jika seseorang mencoba mengunggah nomor yang sama dua kali, sistem akan segera menghapus salah satunya.”

Bekerja dengan tim WIZ juga memberikan pengalaman yang positif. “Semua anggota tim WIZ sangat mendukung dan membantu,” lanjut Pak Herri. “Apapun yang kami butuhkan, proses eskalasi sangat cepat. Sebagai pengguna, hal ini sangat membantu untuk mengetahui bahwa segala sesuatu diproses dengan cepat dan semua anggota tim dapat dihubungi.”

Bagi pelanggan Link Net, perubahan strategi tersebut hampir tidak terlihat. “99% pelanggan tidak menyadari bahwa mereka dihubungi oleh robot,” kata Pak Ikhsan. “Dari 20.000 yang dihubungi, hanya 10 yang mengeluh karena dihubungi oleh bot. Ketika itu terjadi, kami menghapus pelanggan tertentu dari database panggilan Talkbot selanjutnya.”

"Semua anggota tim WIZ sangat mendukung dan membantu. Apapun yang kami butuhkan, proses eskalasi sangat cepat. Sebagai pengguna, sangat membantu untuk mengetahui bahwa segala sesuatu diproses dengan cepat dan semua anggota tim dapat dihubungi."

– Pak Herri Dwi Prasetyo, MIS Leader of Collection & Recovery Department at Link Net

Cara baru untuk mempertahankan pelanggan lama

Dengan keberhasilan strategi penagihan baru, Link Net bersemangat untuk mencoba Talkbot dengan skenario lain. Perusahaan memutuskan untuk mencoba otomatisasi retensi pelanggan atau perpanjangan kontrak. Bersama tim WIZ, Link Net membuat skrip baru untuk menghubungi pelanggan yang tidak membayar langganan mereka selama tiga bulan. “Tingkat koneksi untuk kategori pelanggan ini lebih rendah,” jelas Pak Ikhsan. “Kami berharap dengan skrip retensi baru, kami dapat mendapatkan kembali pelanggan dengan menawarkan promosi.”

Masih dalam tahap awal strategi retensi pelanggan dan hasilnya masih harus dilihat. Tim saat ini sedang menyempurnakan skrip berdasarkan umpan balik, untuk menyampaikan pesan yang tepat.

Melampaui batas otomatisasi dan analitika

Link Net ingin menetapkan standar yang lebih ketat untuk proses penagihan mereka di masa depan. “Kami menuju ke arah digitalisasi, segalanya harus menerapkan otomatisasi,” ungkap Pak Ikhsan. “Jika seseorang gagal membayar atau melewatkan pembayaran, mereka harus dihubungi secara otomatis. Segala sesuatunya harus sudah terotomatisasi, termasuk panggilan ulang. Kemudian hasilnya dapat diperbarui secara real-time di sistem Link Net.”

Bagi Pak Herri, data adalah kunci rahasia untuk kesuksesan yang berkelanjutan dan masa depan. “Di masa depan, kami berharap dapat mengunduh transkrip percakapan langsung dari sistem,” katanya. “Dengan fitur ini, kami dapat menggunakan semua informasi untuk mendapatkan umpan balik dan keluhan dari pelanggan. Jadi ketika agen manusia melakukan panggilan tindak lanjut kepada pelanggan tertentu, mereka akan segera mengetahui apa yang dikeluhkan oleh pelanggan. Kami akan memiliki riwayat pelanggan dan dapat memberikan pengalaman yang baik.”

Tim koleksi sangat puas dengan WIZ Talkbot sehingga mereka merekomendasikan solusi ini kepada tim penjualan Link Net, untuk mendapatkan pelanggan baru. “Sebelumnya kami tidak pernah menghubungi tipe pelanggan seperti ini,” akui Pak Ikhsan. “Ini adalah sesuatu yang akan kami eksplorasi dan bahas lebih lanjut dengan Tim WIZ.”

Tertarik bagaimana otomatisasi suara AI dapat meningkatkan hasil bisnis Anda? Berbicaralah dengan salah satu spesialis kami hari ini.

Mar

Customer Stories · Voice AI Technology

Link Net doubles its customer outreach with WIZ Talkbots

Link Net has been providing Indonesians with internet connectivity and home entertainment for over 20 years under the First Media, i-solution, and Link Net brands. It currently serves 2.8 million homes across 23 cities in Indonesia. Keeping track of all those accounts – especially when they fall past due – is a whole operation in itself.

“Previously, we used SMS for billing, which then was supplemented with outbound calls,” begins Pak Ikhsan Kurniawan, Head of Printing and Collection Department at Link Net. “We gradually moved to email and now, we also use WhatsApp. We also tried smart IVR but it turned out not to be suitable for overdue payments. So we stopped using IVR because it did not bring results.”

Link Net also struggled with capacity planning for its outbound calls for collections. When the telephone collections team is experiencing a manpower shortage, the company would temporarily reassign people from other departments to help manage the load. This disrupted day-to-day work and workload management. Link Net realized it needed a more effective way to follow-up with overdue accounts, and started exploring options.

Going beyond one-way conversations

“We liked WIZ’s solution because it was a two-way interaction, not like IVR which is very limited,” shares Pak Ikhsan. “It also helped us with workload balancing. If someone from telecollections takes maternity leave, we can immediately add more bots to fill the gap.”

The solution brought tangible results. “When we tried the WIZ solution, our results improved, especially in the connection rate,” shares Pak Herri Dwi Prasetyo, MIS Leader of Collection & Recovery Department at Link Net. “The connection rate for human agents was 25 percent but with the Talkbot, it increased to almost 50 percent.” The use of Talkbots also freed up human agents from many of the easy, repetitive tasks. It also reduced the call load for human agents by half. “This gave our agents more time to focus on retaining customers and handling more complex complaints. The use of the bot made the role of human agents more strategic,” Pak Herri adds.

“Talkbots are the best collection strategy we have implemented so far,” confirms Pak Ikhsan.

"We stopped using IVR because it did not bring results. Talkbots are the best collection strategy we have implemented so far."

– Pak Ikhsan Kurniawan, Head of Printing and Collection Department at Link Net

An exceptional user experience

When talking about their experience with WIZ, Pak Herri has good things to say. “The application itself is very user-friendly and has a good validation system,” he begins. “For example, if someone tries to upload the same number twice, the system will immediately eliminate one of them.”

Working with the WIZ team has also been positive. “All the WIZ team members are so supportive and helpful,” Pak Herri continues. “Whatever we need, the escalation process is so fast. As an end-user, it is very helpful to know that everything is processed quickly and all team members are contactable.”

For Link Net’s customers, the change in strategy was barely noticeable. “99% of customers do not realize that they are contacted by a robot,” says Pak Ikhsan. “Out of 20,000 contacted, only 10 complained about being called by a bot. When that happens, we exclude the specific customers from the next Talkbot call database.”

"All the WIZ team members are so supportive and helpful. Whatever we need, the escalation process is so fast. As an end-user, it is very helpful to know that everything is processed quickly and all team members are contactable."

– Pak Herri Dwi Prasetyo, MIS Leader of Collection & Recovery Department at Link Net

A new way to retain old customers

With the success of the new collection strategy, Link Net was keen to try the Talkbot in other scenarios. The company decided to try automating customer retention or recontracting. Together with the WIZ team, Link Net created a new script for contacting customers who were recently lost, like those who have not paid for their subscriptions in three months. “The contact rate for this category of customers is lower,” explains Pak Ikhsan. “We hope that with the new retention script, we can win back customers by offering promotions.”

It’s still early days in the customer retention campaign and results are still to be seen. The team is currently refining the script based on feedback, in order to get the right message across.

Pushing the limits of automation and analytics

Link Net wants to set more stringent standards for their debt collection processes in the future. “We are heading towards digitization, everything must be automated,” begins Pak Ikhsan. “If someone defaults or misses a payment, they should be called automatically. Everything should already be automated, including redials. Then the results can be updated in real-time on the Link Net system.”

For Pak Herri, data is the secret ingredient to ongoing and future success. “We expect in the future we can download the transcript of the conversation directly from the system,” he says. “With this feature, we can use all information to gain feedback and complaints from customers. So when a human agent conducts a follow-up call to a certain customer, they will immediately know what the customer complained about. We will have the customer history and can give a seamless experience.”

The collections team was so satisfied with the WIZ Talkbot that it recommended the solution to Link Net’s sales team, for customer onboarding. “We never contacted these type of customers before,” confesses Pak Ikhsan. “This is something we will explore and discuss further with the WIZ Team.”

Wondering how voice AI automation can improve your business results? Speak to one of our specialists today.

Dec

Talkbot Basics · Voice AI Technology

How AI can boost results in debt collection

Jennifer Zhang

CEO & Co-Founder

For many companies that need to conduct payment collections, resolving accounts that are past due is one of the trickiest parts of the business. Many of these customers are hard to contact, and once contacted, getting commitment to settle dues is another hurdle. Fortunately, conversational voice AI can help.

Harnessing the power of AI technology for debt collection

Artificial intelligence can be used in the debt collection process in a number of ways. First, AI can be used to automate manual processes like transcribing calls and categorizing customers based on their willingness to pay. These two tasks alone provide companies greater control over their debt collection processes because of the wealth of data that gets collected. Automatic transcription of calls transforms unstructured voice data into structured data. With it, enterprises can now do more detailed data analytics of their customer interactions. Those tasked with debt collection can gain a better understanding of risk behavior and improve collection tactics, moving from a reactive position into a more proactive one.

Loan provider gets more payment commitments with voice AI calls

This example features a finance company that provides loans and similar products to consumers. One of its biggest challenges is reaching accounts that are past due and making sure that commitment to payments are made. This often requires persistent outreach and multiple calls, which take a lot of time and effort for human agents. By switching to an AI-powered agent, the company was able to ramp up its call intensity proportionally to the account’s days past due.

With artificial intelligence, the company was able to call customers with overdue payments more consistently and with greater frequency. This resulted in obtaining “promise to pay” commitments from more customers – up to 60% for accounts that are three days past due.

Traditional bank gets clearer picture of consumer credit portfolio

In this second example, a large regional bank decided to deploy voice Talkbots for their credit collection operations. With each call, the AI engine records outcomes and tags customers accordingly.

The first layer of tags involve the call status – whether the customer was contacted or if the call failed to connect. Once the call connects and the Talkbot is able to speak with the customer, the AI engine then identifies whether or not the customer is willing to pay. If agreement is obtained, the AI agent then secures a payment date within a three-day window and records the response.

Having collections information structured in this manner enables the bank to see just how many of their delinquent accounts were willing to pay, and how soon. With this information, the bank is able to forecast its cashflows more accurately and update its collections strategy more proactively.

Fintech company gets record results in three-day collections campaign

This final example involves a non-traditional financial services provider that undertook a three-day call campaign for uncollected payments. Utilizing voice AI Talkbots, the fintech company was able to reach almost half of its customer database. Over 300,000 calls were made across a three-day period, obtaining payment commitments from two-thirds of customers that had overdue accounts.

Of those that had committed to pay, over half promised to settle their dues within the day. Almost a fifth committed to pay the next day, bringing committed payments to 71% within a 48-hour window.

Getting ahead of back payments with artificial intelligence

AI powered much of the success of the above examples – artificial intelligence is what enabled companies to undertake the huge volume of calls to customers. And thanks to well-designed scripts, these companies were able to obtain payment commitments that previously eluded them. Results can be seen even in a short three-day campaign.

Are you looking to improve the outcomes of your debt collection activities? See how our voice AI Talkbots can help by booking a demo with us today.

Dec

Customer Stories · Voice AI Technology

JAGADIRI achieves 5.3x higher cost efficiency with WIZ Talkbots

JAGADIRI works to protect the aspirations of its many Indonesian customers under the umbrella of PT Central Asia Financial (CAF). JAGADIRI provides life insurance, accident, and health insurance through digital marketing, telemarketing, and direct marketing channels.

“The thing with insurance is that it’s not like banking,” began Ibu Fitriah Betan, Head of Customer Experience at JAGADIRI. “As an insurance provider, JAGADIRI needs to make premium reminder calls to existing customers and continue providing service even up to 90 days past due.” Because the actual need for insurance happens in urgent situations, and the company does all it can to keep customers protected. On their part, customers need to pay their premiums promptly, in order to ensure that their policy remains active and can cater to unexpected incidents.

Creating a consistent customer experience with conversational voice AI

The need to ensure continuous coverage is why JAGADIRI puts a lot of effort into premium payment reminders. But the challenge is timing. Contacting customers for premium reminders can be tricky, as customers may be busy with their activities during the day. Another factor lies in the personal nature of the interaction – the mood of the agent or the way he or she communicates varies from one call to another. JAGADIRI wanted a more consistent way of engaging with its customer base, and ensure that these customers remain with the brand.

In June 2022, JAGADIRI decided to transition its premium reminder calls to the WIZ.AI Talkbot. The implementation was done in phases; by September 2022, all premium reminder calls were automated. The results spoke for themselves. “Before Talkbot, we get less than 10 percent of connected calls for premium reminders. Now we get, on average, around 50 percent,” explains Ibu Fitriah. Talkbots are also 5.3x more cost-efficient than using human agents; the cost ratio for Talkbots is 6 percent, compared to 32 percent for agents.

Using WIZ.AI’s solutions brought very tangible results in our premium reminder deployment. Before Talkbot, our agents get less than 10 percent of connected calls. Now we get, on average, around 50 percent.

– Ibu Fitriah Betan, Head of Customer Experience at JAGADIRI Tweet

An evolving partnership based on two-way communication

Beyond the results, JAGADIRI loves that WIZ.AI regularly checks on how the Talkbot is working, and provides recommendations on how to optimize the AI solution. From sales to project management to customer success and even customer experience, the WIZ.AI team was ready to help JAGADIRI make the most of its Talkbot. “WIZ.AI CX Designers help us refine our strategy by improving the scripts based on the data we get,” shares Ibu Fitriah. “There’s excellent two-way communication between us and the WIZ team. WIZ continually suggests how to update the Talkbots and implementing the suggestions improves our results.”

With the success of automated premium reminders, JAGADIRI is now looking to deploy the WIZ.AI Talkbot for more use cases. As of this writing, the team is developing debt collection scripts for due and overdue accounts. JAGADIRI is also planning to deploy Talkbots for Welcome Calls to new customers. “Talkbot has made contacting our customers much easier for the CX team,” concludes Ibu Fitriah.

The best thing about our experience is that WIZ.AI CX Designers are always helping us refine our strategy. There’s excellent two-way communication between us and the WIZ team. WIZ continually suggests how to improve the performance of the Talkbots and implementing the suggestions improves our results.

– Ibu Fitriah Betan, Head of Customer Experience at JAGADIRI Tweet

Debt collection