Granular call insights
Understand every call at a glance with recordings, transcripts, and outcome tagging that support QA and tailored follow-ups
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 automated millions of calls with Kato and are cutting costs while recovering more:
15x
Recovery ROI
80%
Reduction in Cost Per Call
Why modern lenders are turning to Kato
Automate the routine work so your agents can focus on what matters
Kato pulls the borrower's data, answers the question, takes the payment or sets the plan, and logs the outcome. Your agents only see the calls that need a human.
Recover more from every campaign
Kato launches with your core scripts and grows from there. Every new scenario is approved by you before it goes live, so more calls resolve on the spot, fewer reach your team, and more of your book gets recovered.
Compliant with regulations and procedures on every call, by design
Kato follows your scripts and procedures exactly. It won't invent a fee waiver, misstate a balance, or call outside permitted hours. TCPA and FDCPA rules are enforced by the platform, not left to the model.
- 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 full context delivered via voice and Slack summaries
- Resolve the issue on the spot. No need to chase the borrower later
- Your agent starts warm - better borrower experience and faster resolution
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
Uses templates to give you precise control and ensure compliant borrower interactions at scale. Leverages AI to empathize with borrowers
Limited content voicemails
Automatically leave limited content voicemails for unanswered calls to keep you top of mind and drive re-engagement
Deep systems integrations
Goes beyond voice by integrating with your existing loan management and CRM systems. Custom integrations with in-house systems available
Consent revocation tracking
Automatically track when customers verbally revoke call consent, so you stay fully compliant with TCPA regulations
Enterprise-grade support
Onsite onboarding and hands-on support to meet your needs, today and as you scale
Automate servicing at scale
Book a demo to hear the agent live and talk through integrations, compliance, and your rollout plan.