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    • Perpetually Adaptive Enterprise Press tab for submenu items

      Where adaptability meets advantage

      At TCS, we don’t just help businesses transform. We help them become perpetually adaptive enterprises, built to evolve continuously and confidently in a world of constant change.

      Adaptability starts here
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      18 Sep 2025 TCS Life Sciences Forum: Redefining Patient-centric Clinical Trials
      View all
    • Analyst Recognition

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      01 Aug 2025 TCS a Leader in Experience-Led HR Transformation Services: NelsonHall
      17 Jul 2025 TCS a Leader in Life and Annuities Insurance BPS and Third-Party Administrator Services: Everest Group
      15 Jul 2025 TCS Recognized as a Leader in Healthcare Provider Digital Services by Everest Group
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    • Banking/ Solution

    Digital Debt Collection

    Share Digital Debt Collection for Better Customer Experience
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    Industry

    Banking This will open an overlay

    Banking Services Transformation: Unlocking Exponential Value

    TCS’ solutions help banks and FIs push traditional boundaries and build cognitive banking enterprises for better value, resilience, and inclusivity. Learn more.
    Learn More
     about Banking Services Transformation: Unlocking Exponential Value
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    TCS Finance Transformation Services for better functions and processes
    TCS’ expertise in finance transformation, gap analysis, and digital solutions helps BFSI firms improve operations and ensure zero regulatory fines. Know more.
    Solution
    27 Nov 2023

    Standardizing debt collection approach and improving customer experience

    CHALLENGE

    Debt collectors are fast realizing that traditional debt collection practices like aggressive agents, robo-calls, and prolonged dispute resolution, at times, end up intimidating the borrowers, thereby impacting the recovery rates. Debt collection complaints make up for nearly half of all consumer complaints impacting a bank’s rating. Regulators are working on limiting collection call frequency and encouraging borrower communication through digital channels for transforming the debt collection process. The significant impact of COVID-19 on debt collection and the impending defaults have further necessitated a standardized approach to ensure efficient debt collection management, bring in process consistency, and ease customer anxiety.

    TCS SOLUTION

    TCS’ Digital Debt Collection Solution is a platform for borrowers and lenders to interact, negotiate, and resolve an outstanding debt on retail loans. Powered by artificial intelligence (AI), it identifies the right consumer behavior for optimizing collection efforts in the right direction, at the right time, using the best possible channels.

    It analyzes historical data such as borrower interactions, their personas and behaviors to determine the best course of action for an individual, offering highly personalized payment plans and counter offers. It allows borrowers to explore various payment options to service a debt, schedule a promise-to-pay plan, dispute a debt, and apply for payment relief options. It deploys live chats, video guides and virtual assistance through optichannel to increase long-term engagement with the borrower and increase recovery rates.

    BENEFITS

    TCS’ Digital Debt Collection Solution offers a range of benefits, including:

    • Easing customer anxiety by allowing borrowers greater privacy and control over the timing, frequency, and duration of communication
    • Enhanced recovery rates due to flexibility of payment options and optimized contact points through digital communication
    • Reduced call volumes, allowing agents to focus on high risk cases
    • Standardized process, ensuring compliance to guidelines

     

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