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BavariaDirekt is testing Pair Finance's AI-based debt collection. The service provider relies on a self-learning algorithm that typologizes customers and, based on this, selects a suitable approach and offers individual solutions. The aim is to collect receivables more quickly without destroying customer relationships.

Due to the economic consequences of the Corona crisis, the founder and head of the debt collection start-up Pair Finance, Stephan Stricker, expects a deterioration in consumer payment behaviour. There is already an increase in installments and deferrals, he says.

Pair Finance, a company for AI-based debt collection and receivables management, has analyzed in a study which debtor types there are and how best to address them in order to receive payment as quickly as possible. The survey was led by behavioral researcher Dr. Minou Ghaffari and evaluated around 400,000 cases and the associated AI-optimized communication in anonymized form.