What MEGA.AI does in lending and collections
MEGA.AI provides deterministic voice AI for lenders, credit providers and collection agencies, covering the credit journey from pre-delinquency outreach to agency placement. It handles right-party contact and ID&V, promise-to-pay, in-call payments, vulnerability and disputes using only pre-approved wording, with a full audit record of every call to support Consumer Duty and CONC obligations. MEGA.AI Limited is a supplier member of the Credit Services Association (CSA).
From first sign of risk to recovery.
The best collections outcome is the one that never reaches collections. MEGA.AI covers the full credit journey on one engine.
Engage early. Resolve early.
Pre-delinquency outreach
Failed direct debits & card payments
Welcome & loan onboarding calls
Structured, fair collections.
Promise-to-pay
Affordability & I&E
Vulnerability & bereavement
Disputes
Late stage. Same standard.
Late stage & pre-legal notices
Agency placement first contact
Regulated credit. Zero improvisation.
Collections calls are where regulators, auditors and customers look first.
Whether you answer to the FCA’s Consumer Duty and CONC in the UK, or FDCPA and Regulation F in the US, MEGA.AI makes fair, consistent treatment the only possible behaviour.
Zero hallucination means the agent can only speak wording your organisation approved before the call: AI is used to understand the customer, never to write what the agent says. What zero hallucination means
What it delivers to the executive team.
Grow portfolio contact capacity without growing conduct risk.
Lower cost to collect, earlier cash and fewer accounts rolling into late stage.
Consumer Duty evidence on every call, with zero hallucination and full auditability.
Absorb arrears peaks without recruitment, training cycles or attrition.
Fair, consistent outcomes for every customer, including those in vulnerable circumstances.
Governed integration with collections platforms, loan systems and payment rails.
“Around 75% of our customer voice journeys are now supported by the AI agent, with most customers completing the initial verification checks without needing to speak to an advisor.”
Lending and collections questions, answered.
How does voice AI handle vulnerable customers?
It listens for vulnerability signals during the call, applies approved responses and hands over to a specialist where your policy requires. A Vulnerability Registration Service check can be added to the journey once the integration, now designed, is built.
Can the AI agree payment plans?
Not yet. Today the agent records a promise to pay and passes it to your team. Payment plans that follow your affordability rules are in development.
Can it take payments on the call?
Yes. Customers pay by card using the phone keypad (DTMF) or a secure payment link. Our PCI DSS assessment is in progress.
What evidence do we get for Consumer Duty?
Every call is recorded, and each step, decision and response is traceable to the approved logic behind it.
What does 0% hallucination mean?
Hallucination is when an AI agent says something nobody approved, such as an invented fact, amount, policy or promise. MEGA.AI’s agent cannot do this. It uses AI only to understand what the customer says, and every sentence it speaks is wording your organisation approved before the call, with live account data inserted only into approved fields. If the agent is not sure what it heard, it confirms with the customer or hands the call to a person instead of guessing. The claim covers everything the agent says during the call.
How quickly can a first journey go live?
Typically within 4 to 6 weeks of contract, starting with one journey such as pre-delinquency, ID&V or payments.
Who is MEGA.AI's collections voice AI for?
Enterprise lenders, credit providers and collection agencies, at every stage from pre-delinquency to agency placement.
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Then own the whole journey.
Pre-delinquency, ID&V or payments. Select the journey to prove first. Integration with your collections platform, loan management system, CRM, payment providers and CCaaS platform follows as you scale.