Omnichannel AI agents for collections
Murphy contacts customers in arrears by phone, WhatsApp, email, RCS or SMS, and agrees a plan they can keep. Every conversation is auditable and compliant with your policy.
Real production agent recorded.
Trusted by banks, lenders and consumer businesses
6 guarantees, and how each one is kept
Never off script.
Murphy speaks only within the limits you set. Every change is versioned and logged; every communication, voice or written, follows the rules you approved.
Ruleset v12ApprovedThree instalments of €116.67, starting on the first.
Rule 4.2Up to three instalments, no discountChanged byR. DuarteReviewed12 AugNothing left unlogged.
People forget to log calls; Murphy never does. Every interaction is filed to your CRM automatically, in full.
AFAna Ferreira02:35“After the tenth I could manage about €120 a month.”
Noted. I’ll set the first payment for the tenth.
Available per month€120First payment10thFiled to the CRM at 02:36The right party, reached.
Murphy skip traces across compliant data sources and connects, so your right party contact rate rises, not just your dial count.
Skip-trace, case 44583 sourcesCredit bureauTwo numbers on fileTelco lookupOne in servicePublic registryAddress unchangedRight party reached09:12Reached on the second attemptThe most natural voice.
Murphy replies in under a second, on its own speech and language stack. No robotic pauses, just a conversation.
Median reply
0.6 s
Talk-over
0
02:35Customer stops, Murphy answers, both inside the same breath
Under 0.9 s99% of callsDeployed your way.
On premise, your private cloud, or ours, with dedicated engineers from integration to the first live call.
On-premiseYour racks, your keysYour private cloudYour region, your tenancyChosenMurphy cloudManaged end to endRDR. DuarteDeployment engineer, yours through go-liveDialerCRMTelephonyFrom connection to payment.
Wired into your dialer and CRM, Murphy sees the real balance, offers a plan the customer can meet, and takes payment promise on the call.
Balance, from your CRM€350.00Plan offered3 × €116.67First payment taken09:26€116.67 cleared, on the callPromise to pay written back
150k+ daily communications reaching customers
+4 pts
higher recovery rate than the bank's own call centre
-60%
cost against collection agencies and in-house teams
100%
of calls fully compliant
< 0.9 s
to reply, faster than a natural pause
Murphy is the first voice agent built for collections and recoveries. It was tuned on real collections calls across Europe, LatAm and MENA, alongside the teams who make them.
+3-4% higher recovery
Tier-1 Spanish bank
0 to 90 days past due
Share of balance collected
Tier-1 international fintech
0 to 30 days past due
Share of balance collected
-60% cost at the same performance
Across every pilot, Murphy has matched or beaten the institution's own in house team.
Tier-1 international bank
0 to 30 days past due
Share of balance collected
Murphy has represented a major step forward in our debt recovery, not only because of the clear increase in recovered volume, but also thanks to the cost efficiency with which we now manage the entire process.
Marco Fruenhauf
CEO Spain
From the first attempt to the last instalment
Contact strategyActiveConsumer loans, Spain ChannelHow oftenDaily limitVoiceAt least 4 hours apart2WhatsAppDays 1, 3 and 7 in arrears1SMSMon, Wed, Fri1EmailEvery 5 days1Portal noticeOn every status change3Best time to reach
10:00 to 12:00
08:0010:0012:0014:0016:0018:00Quiet on Sundays and holidaysReach them when they actually answer
Voice, WhatsApp, SMS, email, portal notices and letters run on one plan, under your caps on at what time, how often and at what intervals. Murphy learns when each customer actually answers and concentrates attempts there. Fewer attempts, a higher contact rate.
Numbers on fileSet by what happened on the call NumberSourceAttemptsStatus+34 6•• ••4 12On fileRight party+34 9•• ••8 07On fileUnreachable+34 7•• ••2 88Credit bureauTracedThe number that works rises to the topFind a number that works, and reach the customer on it
Every number on file is scored on what happened when it was called and who actually answered. Murphy discards the wrong numbers, skip tracing fills the gaps, and the best number rises to the top, so more calls end in a right party contact instead of a dead dial.
IdentificationVerifiedOutbound call, 14 May The call is recorded00:04Automated agent disclosed00:11Full name confirmed00:38Identity document confirmed01:07Identity verifiedBalance disclosed01:09Payment options discussed01:34Account details are disclosed only below this lineConfirm who answered before anything is disclosed
Before ever mentioning the money owed, Murphy presents itself as an automated agent, states that the call is being recorded, and delivers any other disclosure your policy sets. It then checks who answered. Every step is timestamped in the recording, to the second.
Affordability assessmentCaptured in the conversation Monthly income
€1,180
Housing
€320
Essential spending
€420
Paid to other lenders
€320
Employment status
Unemployed
Dependents
2
€120
left over each month
HousingEssential spendingOther lendersCan pay usEvery figure came from the customerOffer a plan they can actually afford
Murphy measures precisely what the customer can afford. Income, housing costs, essential spending, and what they already pay other lenders all come straight from the conversation. It checks the vulnerability markers each country requires, in the same call, and logs what it finds. The plan it offers is sized to what the customer can actually pay.
Negotiation limitsConsumer loans, Spain Where this case stands
- Imported
- First outreach
- Identified
- Engaged
- Paying
- Resolved
RuleAllowedOn this callPayment instalmentsInstalmentsUp to 63Smallest paymentSmallest€50.00€116.67Discount off the balanceDiscountUp to 20%0%Time to first paymentFirst payment14 days8 daysSettlement in one paymentSettlementYesNoPayment agreement
Active3 payments, monthly, €116.67
Set by your team, enforced on every callAgree a plan inside the limits you set
Payment instalments, a discount or one settlement, chosen inside a range set once for each product. Whatever the affordability check found comes into the negotiation with the customer, and the agent shapes the offer around it. When circumstances change, what was agreed before is still on the record. The portion of conversations that end in an agreed plan is how a collections floor measures itself.
PaymentsEvery promise, kept or not DueAmountPaidStatusJune€116.67€116.67Fully paidJuly€116.67€76.67PartialAugust€116.66NoneBroken promise€193.34 of €350.00 collected
Reversal of €40.00 on 21 July
A reversal reopens the instalment it had satisfiedFollow the schedule, and pick the conversation up from it
Murphy checks every instalment against what actually arrives, and money arrives in parts, late, and sometimes weeks after it was due. A broken promise appears the day it breaks, so the next call starts there: the instalment that was missed, and what to do about it. The plan can still be changed while the customer is in contact. A month-end report shows the same miss three weeks later, when they are harder to reach.
Murphy
BalancePlanPaymentsDocumentsYou owe
€350.00
June€116.67PaidJuly€116.67PaidAugust€116.66DueLet customers read the plan back and accept it
The plan the agent agreed is already on their phone: the balance, the instalments and the dates, to read at their own pace, accept and pay. Someone who wanted time to think finishes there, on the same case and inside the same limits. Every one of those is a self cure that costs nobody a call.
Call reviewOutbound call, 14 May 02:14 / 06:20Recording
6Pass1Review1FailAutomated agent disclosedPassTold the call is recordedPassIdentity confirmed before disclosurePassNo account details to a third partyPassBalance stated correctlyPassTone and register appropriatePassNo terms offered outside the mandateReviewDispute logged rather than arguedFailEElena
Madrid
Every call checked against the rules, not a sample
Murphy scores every conversation against the rules that apply to it, the regulator's and the ones your own team wrote. Nothing is sampled and no call queues for review. Anything that fails, or that the check cannot settle on its own, reaches one of your reviewers with the second of the recording where it happened.
Case historySince 12 May 12 MayAccount imported, balance set at €350.00From the bank14 MayCall answered, identity confirmedRecordingTranscript14 MayPlan agreed, 3 payments monthlyLinked to call1 JunPayment received, €116.67 matchedPayment1 AugPayment missed, promise brokenAccount1 AugBalance updated, €156.66 outstandingAccountRules in force on this call
Agentv4.2Approved 3 May by A. RuizPolicyv11Approved 28 Apr by A. RuizOnly compliance managers can approve a change
Prove what happened, and who set the rules it happened under
Balance changes, agreements, payments and handovers all stay on one record for that customer, each linked to the call behind it. Every entry names the agent configuration and the policy version in force at the time, and the manager who approved them. Murphy records the reasoning behind every decision, so approving is a permission and the trail shows who allowed it and why.
Every industry has its rules Murphy follows yours
Your team writes what an agent may offer, when it may call and when it must stop. Every call is graded against it.
Banks
Every call a bank makes to a customer behind on payments is one the regulator can ask to hear.
Your team decides what can be offered and what must be said. Murphy follows that on every call and keeps the recording and the review, so the proof exists before anyone asks for it.
Consumer finance
Personal loans come in thousands of small accounts, too many to call one by one with people.
Murphy contacts customers early for you and works every account within the limits you set, whether that is a thousand accounts or a million.
Fintechs
Your loan book grows faster than any collections team you could hire and train.
With Murphy, capacity is a setting. When the loan book doubles, the calls double with the same rules and the same quality, and your people handle only the conversations that truly need a person.
Collection agencies & debt buyers
Every client hands you a different rulebook and audits your calls against it.
Murphy keeps a separate rulebook for every portfolio and shows results for every portfolio, so a client audit starts from complete records instead of a sample.
Utilities
A phone call about a small bill often costs more than the bill.
Murphy makes small balances worth collecting: the channel each customer actually answers, with the rules on disconnection and vulnerable customers applied before anything else.
Telecoms
Cut off a customer who is behind and you usually lose them to another network.
Your team sets what can be offered before the line is suspended, and what happens after. Murphy follows those rules from the first missed bill.
Asset finance
A machine that keeps working can pay off its own debt. A repossessed one sells at a loss.
Your team sets what the asset is, what it is still worth and what an offer can look like, and Murphy works the account from the first missed payment.
Your industry
Insurance, healthcare, and other regulated sectors. Talk to the team.
Murphy takes your rules, your tone and your channels. If your sector isn't listed, get in touch and we'll work through what yours needs.
Ask about your sector
14 markets, 25 languages
Your rules apply in all fourteen markets, and each market adds what its own regulator requires: the notices a call has to open with, the hours it may be placed in, and how the recording is handled.
EMEA
France
Germany
Italy
Netherlands
Portugal
Spain
UAE
UK
Americas and Asia Pacific
Argentina
Brazil
Chile
Mexico
USA
Australia
ISO 27001
SOC 2
GDPR
EU AI Act
Why collections, and why now
Collections are still almost entirely manual, much as payments were fifty years ago. We are building the world where they are not, and where the teams running them are freed from the manual effort.
Borja Solé Fauria
CEO and co-founder
Dmitry Zlokazov
CPO and co-founder
Marc Sánchez
CTO and co-founder
Before you ask for a proposal
The questions a collections team asks first, answered from what the platform actually does.
Does the customer know they are talking to an AI agent?
Yes. Murphy presents itself as an automated agent and states that the call is being recorded before it ever mentions the money owed, on every call. Any further disclosure your own policy or your regulator requires is delivered in the same opening, and every one of them is timestamped in the recording.
What happens when someone asks to speak to a person?
Murphy can immediately transfer the caller to a human agent or schedule a callback. Your team sets the rules for which happens and when. The conversation goes with the handover, so whoever picks it up can see what was already said and the customer does not start again.
What if the person who answers is not the customer?
Murphy checks who it is speaking to before it says anything about money. If the person who answers is not the customer, what Murphy may tell them depends on the law in that market and on the rules you set on top of it.
Who decides what the agent is allowed to say and offer?
Your team does. You set what an agent may offer, when it may call, and when it must stop. Murphy operates only inside those limits, and every call is scored against them. Every change you make is dated and logged, so you can match every call to a rule someone on your side approved.
How many calls are checked for compliance?
Every call. Murphy scores every conversation against the rules that apply to it, both the regulator's and the ones your own team wrote. Nothing is sampled, and the score lands with the call rather than in a monthly batch. Anything that fails, or that the automated check cannot settle, goes to one of your reviewers with the second of the recording where it happened.
How do we prove to a regulator what happened on a call?
Murphy keeps every balance change, agreement, payment and handover on one customer record, each linked to the call it came from. Each entry names the agent settings and the policy version in force at the time, and the manager who approved it. Murphy also records the reasoning behind every decision. When a regulator asks who authorised something and why, both answers are there.
How does Murphy handle customers who cannot afford to pay?
Murphy asks. Where a formal affordability assessment applies, it runs one, measuring income, housing, essential spending and what the customer already pays other lenders. Where none applies, it still asks enough to find the right plan from the options you allow. You set what it may ask, and if your rules say stop, it stops.
Which channels, languages and markets does it cover?
Murphy runs on phone calls, WhatsApp, SMS, RCS and email, all working to one plan rather than as separate campaigns. It covers 14 markets and 25 languages today, across Europe, the Middle East, the Americas and Asia Pacific. Your rules apply in every one of them, and each market adds what its own regulator requires: the notices a call has to open with, the hours it may be placed in, and how the recording is handled. There are more languages than markets because a market is rarely one language, so Murphy answers each customer in the one they use.
How does our account data reach Murphy, and how do results return to us?
You choose how. You can send us a file whenever you want. You can set a schedule, so accounts arrive and outcomes, promises and payments return on whatever cycle suits you. Or you can connect Murphy straight to your dialer and CRM, so it works from the current balance and files each call the moment it ends.
Where does it run?
On your own servers, in your private cloud, or in ours. Whichever you choose, Murphy engineers work with you from the first integration until the first live call. Where it runs is your decision.
Half an hour with the people who run it
Tell us how your portfolio is worked today, and we will show you what Murphy would do with it and what it needs from your side.
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