Granular call insights
Every call is recorded, transcribed, and tagged by outcome. Review any conversation for QA or a tailored follow-up.
Compliance-first
Voice AI for Modern Lenders
Cut servicing costs and boost recoveries by automating routine calls end-to-end
Trusted Partner for Financial Services
We've fully automated our payment reminder and payment plan calls - recoveries are up 15% over 4 months and our agents are getting up to 3 hours back every day.
Gil RosenthalVP Risk and Collections, ObligoRead the case study83%
reduction in cost per call
15%
recovery lift vs control group
Kato now handles daily outbound collections calls across all of our credit products... This saves each agent over three hours per day and is already driving additional recoveries.
Sean GuthrieDirector of Underwriting & Collections, BluevineRead the case study3 hrs
saved per agent per day
20X
recovery ROI
We run outbound call campaigns for payment issues with Kato... 50% of customers that missed a payment took action, orders of magnitude more effective than our previous efforts.
Thatcher FosterVP, Client Solutions, BILT
50%
of customers who missed a payment took action
With Kato, we’ve automated both outbound collections and inbound verification. This has saved our team hours daily, improved pickup rates, and given agents time back.
Dean HakimServicing Operations Lead, ParafinRead the case study1.5 hrs
saved per agent per day
We now get through our entire returned-payment list every day before 12.30pm. That frees our reps to focus on the harder accounts - stop payments, account closures, and accounts with multiple returns.
Paul TsoukalasDirector of Recoveries, Funding MetricsRead the case study77%
"put back active" rate (up from 73%)
We've fully automated our payment reminder and payment plan calls - recoveries are up 15% over 4 months and our agents are getting up to 3 hours back every day.
Gil RosenthalVP Risk and Collections, ObligoRead the case study83%
reduction in cost per call
15%
recovery lift vs control group
Kato now handles daily outbound collections calls across all of our credit products... This saves each agent over three hours per day and is already driving additional recoveries.
Sean GuthrieDirector of Underwriting & Collections, BluevineRead the case study3 hrs
saved per agent per day
20X
recovery ROI
We run outbound call campaigns for payment issues with Kato... 50% of customers that missed a payment took action, orders of magnitude more effective than our previous efforts.
Thatcher FosterVP, Client Solutions, BILT50%
of customers who missed a payment took action
With Kato, we’ve automated both outbound collections and inbound verification. This has saved our team hours daily, improved pickup rates, and given agents time back.
Dean HakimServicing Operations Lead, ParafinRead the case study1.5 hrs
saved per agent per day
We now get through our entire returned-payment list every day before 12.30pm. That frees our reps to focus on the harder accounts - stop payments, account closures, and accounts with multiple returns.
Paul TsoukalasDirector of Recoveries, Funding MetricsRead the case study77%
"put back active" rate (up from 73%)
We've fully automated our payment reminder and payment plan calls - recoveries are up 15% over 4 months and our agents are getting up to 3 hours back every day.
Gil RosenthalVP Risk and Collections, ObligoRead the case study83%
reduction in cost per call
15%
recovery lift vs control group
Kato now handles daily outbound collections calls across all of our credit products... This saves each agent over three hours per day and is already driving additional recoveries.
Sean GuthrieDirector of Underwriting & Collections, BluevineRead the case study3 hrs
saved per agent per day
20X
recovery ROI
We run outbound call campaigns for payment issues with Kato... 50% of customers that missed a payment took action, orders of magnitude more effective than our previous efforts.
Thatcher FosterVP, Client Solutions, BILT50%
of customers who missed a payment took action
With Kato, we’ve automated both outbound collections and inbound verification. This has saved our team hours daily, improved pickup rates, and given agents time back.
Dean HakimServicing Operations Lead, ParafinRead the case study1.5 hrs
saved per agent per day
We now get through our entire returned-payment list every day before 12.30pm. That frees our reps to focus on the harder accounts - stop payments, account closures, and accounts with multiple returns.
Paul TsoukalasDirector of Recoveries, Funding MetricsRead the case study77%
"put back active" rate (up from 73%)
Lenders have automatedmillionsof calls with Kato and are cutting costs while recovering more
Why modern lenders are turning to Kato
Automate the routine work so your agents can focus on what matters
Kato pulls borrower data, answers questions, moves the account to a resolution, and tags each call for easy review. Your agents only deal with the calls that require a human touch.
Recover more from every campaign
Kato launches in weeks, then partners with your team to keep refining conversation flows, negotiation tactics, and objection handling. Every round of tuning means more calls resolve on the spot and more of your book gets recovered.
Compliant with regulations and procedures on every call, by design
Kato follows your scripts and procedures as written. We won't invent a fee waiver, misstate a balance, or call outside the hours and frequency each state allows. TCPA and FDCPA rules are enforced by the platform, not left to AI.
- Script templates, not free-form generation
- Platform-wide handling of consent revocation, bankruptcies, and other special circumstances
- Every call recorded and transcribed for audit
Transfer to human agents with full context
Hand off edge-case calls to your agents in real time, with a full context summary delivered alongside the call.
- Borrowers never repeat themselves. Your agent picks up exactly where the AI left off.
- Agents start warm. Every transfer arrives with the account ID, conversation history, and what the borrower needs.
- Issues get resolved on the spot. No callbacks, no chasing the borrower later.
Servicing automation for every use case
Outbound agent that engages with current and delinquent borrowers to maximize payment rates
- Payment reminders
- Failed payment follow-up
- Payment plan negotiation
Inbound agent to resolve common borrower requests 24/7
- Take payments and set up autopay
- Answer product FAQs
- Share account and loan information
Designed to meet the needs of modern lenders
Stick to the script
Kato works from your script templates, not free-form generation, so every borrower interaction stays compliant at scale. The AI adapts tone to the borrower, so calls still sound empathetic.
Limited content voicemails
When a borrower doesn't pick up, Kato leaves a limited content voicemail so they know who called and how to reach you, without disclosing anything about the debt. No separate voicemail drop service needed.
Deep systems integrations
Kato connects to your loan management system, CRM, and other systems of record so it can pull borrower data and update the account without an agent re-keying anything. Custom integrations with in-house systems are available.
Consent revocation tracking
Kato tracks when a borrower verbally revokes call consent, along with bankruptcies and other special circumstances, and honors them platform-wide so you can stay compliant.
Enterprise-grade support
Onsite onboarding and a hands-on team that keeps iterating with you as your volume grows.
Automate servicing at scale
Book a demo to hear the agent live and talk through integrations, compliance, and your rollout plan.