The origin of PAIR Finance lies in the digital marketing industry. Intelligent targeting techniques based on digital data aim to sensitize a potential customer to buy a product or service. In this context, channel, advertising message, and timing are the key parameters for success. We asked ourselves: Why not use this successful method on the other side of the point of sale to make receivables management more individual and efficient?

PAIR Finance has adapted and further developed this very approach. Consumers with unpaid bills are prompted to settle their debts quickly with an individually tailored approach based on reinforcement learning (a form of machine learning). This leads to greater customer loyalty and makes debt collection a measurable success factor within the digital customer journey, and saves our partners the high costs associated with customer recovery. Our entirely new collection process also gives consumers a timely, empathic, and speedy way out of the collection process.