PAIR Finance
PAIR Finance runs digital debt collection across twelve European countries for more than 600 client companies including a major buy now pay later bank, an insurer and several…
Overview
PAIR Finance runs digital debt collection across twelve European countries for more than 600 client companies including a major buy now pay later bank, an insurer and several large retailers, handling receivables from initial out of court procedures through to post judicial monitoring. Its stack combines three named techniques doing distinct work: supervised learning to estimate how likely a person is to pay, reinforcement learning to select strategy, and generative models built on Llama 3 that now handle more than a third of first level consumer queries around the clock in multiple languages. A self learning algorithm typologises debtors from data and behavior to choose communication channel, timing and tone. Consumers reach a personalized payment page where they can settle immediately or build their own installment plan, which the company positions as sparing them court proceedings and legal costs.
Details
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