NZZ: So funktioniert Inkasso mit Herz

A digital platform that recovers overdue payments using AI, behavioral research, and data science will now reach those who shop online but occasionally forget to pay. In Poland, this fintech is establishing a foothold for regional growth.

Over 30% of adult Poles say they have missed payments and been contacted by debt collection agencies in the last 12 months (21.3% once, and 9.7% multiple times). The most common reason for late payments is simple: forgetting to make a payment.

Most people have a negative association with debt collection. PAIR Finance is out to change that. The technology company is using artificial intelligence to do so and is already successfully leading the industry in nine European countries, with customers such as online fashion retailer Zalando. Today, PAIR Finance is announcing its market entry in Central and Eastern Europe with the launch in Poland, marking its tenth market.