In Indonesia, consumer debt is exploding. OJK data shows P2P lending alone has surpassed Rp 66 trillion, while Paylater receivables are up 30%+ YoY.
The real challenge today is no longer customer acquisition — it is managing millions of accounts at scale without blowing up costs or damaging brand trust.
Traditional debt collection models simply cannot keep up. Manual calls, fragmented systems, and inconsistent communication create bottlenecks. Costs rise, recovery slows, and customer frustration escalates. The money gets stuck — not necessarily because customers refuse to pay, but because the process itself is inefficient and often intimidating.
This is where Agentic AI Chatbot changes the equation. It doesn’t just chat; it autonomously offers solutions and executes payment plans. This makes debt collection faster, smarter, and massively scalable.
Collect Smarter, Not Harder
You don’t need more collectors to manage high-volume debt. You need a system that scales with precision. Mimin automates the entire collection flow—delivering industrial-scale recovery while maintaining the human tone needed to keep conversations open.
Here’s how.
1. Humanizing Automated Communication
With millions of overdue accounts, manual outreach doesn’t scale. AI Chatbot delivers 24/7 automated communication across WhatsApp, web chat, and more — instantly and consistently — without overloading call centers.
AI Chatbot handle payment reminders, balance updates, follow-ups, and status notifications at scale.
Polite and respectful language is not about being “nice” — it is strategic. It reduces friction, clarifies obligations, and drives more consistent engagement.
By reducing manual calls for low-risk accounts, teams can focus agent effort on complex cases, lowering overall workload and accelerating resolution cycles.
2. Personalized Solutions, Not Just “Collections”
A one-size-fits-all approach fails in high-volume debt. Treating forgetful payers the same as high-risk defaulters is inefficient and harmful.
AI addresses this by analyzing risk, payment history, and behavior in real time to intelligently segment customers and recommend flexible repayment plans based on financial capacity, restructuring options for cash-constrained but willing payers, and targeted reminders for habitual late payers.
This enables institutions to reduce defaults, accelerate recovery, and cut collection costs — delivering higher success at scale.
3. Loyalty-Driven Profitability
This is the hidden value of AI-driven collections. Traditionally, collections damage relationships, driving churn, complaints, and permanent customer loss.
AI reverses this by preserving dignity and privacy through non-judgmental conversations, removing friction with call-free, stress-free experiences, and protecting future value through supportive handling. The result is higher customer lifetime value, a stronger brand reputation, and more sustainable revenue—recovering today’s debt while safeguarding tomorrow’s business.
McKinsey reports that AI-driven strategies can boost recovery by up to 30% — proving profitability and loyalty no longer have to be a trade-off.
Smart Collections = Control + Scale
Debt collection is no longer about chasing payments. It is about managing risk, volume, and recovery at an industrial scale. The real question is not whether AI can help. The real question is how long your business can afford to operate without it.
Starts caling your collections with Mimin Agentic AI Chatbot — and turn complexity into control.
ABOUT MIMIN
Mimin is a platform that helps businesses to create conversational customer journeys with Artificial Intelligence. With Mimin, businesses can effortlessly build chat journeys and establish a positive customer experience.
The applications that can be generated include, amongst others, the ease of running chat commerce, chat campaigns, customer automation, omnichannel inbox, and Generative-AI chatbot.
With Mimin, businesses can deliver superior customer experiences, strengthen customer relationships, and build stronger customer loyalty.
Learn more about Mimin by contacting:
Mimin
PT. Admin Pintar Kita
Graha Charis Siem
Jl. Tanah Abang 5 No. 21, Central Jakarta
Phone: +62 856 0322 5212
Email: halo@mimin.io
