Lending

    The payment conversation, every month, in every market you finance

    Vehicle finance is a long contract with a short call at the centre of it. Convershake runs those calls as deterministic outbound campaigns — reminders, early arrears, contract-end and dealer-lead follow-up — in the languages each market actually speaks.

    Instalment reminder · Spain · ES/CACatalan

    Buenos días, le llamo por la cuota que vence el jueves.

    Pot ser en català?

    És clar. Són 84,50 € dijous. Tot correcte?

    Sí, ja ho tinc previst.

    What actually breaks first

    The volume is not dramatic on any single day. It is relentless, and it competes with the work that needs judgement.

    01

    The reminder cycle eats the team

    Every contract generates a payment conversation every month. Handled by people, it consumes the capacity you would rather spend on the accounts that are genuinely in trouble.

    02

    The first week of arrears is the cheap week

    An account contacted three days past due usually resolves in one conversation. The same account contacted three weeks later is a different, more expensive case — and often a lost customer.

    03

    Contract end arrives unworked

    The months before a lease matures are the only window to keep the customer in the book. When servicing volume crowds it out, the renewal conversation simply does not happen.

    04

    Language follows the market

    A Baltic book is not a Latvian book; a Spanish book is not only Castilian. Staffing every combination in every market is how a servicing team ends up hiring against the language mix instead of the workload.

    Is that your shape of business?

    Is this you?

    Auto and leasing books have a particular shape, and it is the shape this works best on.

    This is you if

    • A book of multi-year contracts, each with a monthly instalment and a predictable reminder cycle.
    • Several countries or brands on one platform, with different languages and different rules per market.
    • Arrears that are cheap to fix in the first week and expensive to fix in the second.
    • Dealer- or partner-originated leads that go unworked when the team is busy servicing the existing book.
    • A collections team whose best people are spending their day on calls that never needed a person.

    This is not us

    • Replacing a whole servicing desk at once — we start with the campaigns and the lines attached to them.
    • Repossession, litigation or any conversation whose consequence should sit with a named human.
    • A single market, single language book small enough that the existing team already covers the peak.
    See the calls we would actually run

    The campaigns we run

    Recovery campaigns keep the book clean; revenue campaigns keep the customer. Both are versioned flows your compliance function can read end to end.

    Runs from
    Watch one get built, tested and launched

    04 · See it work

    From an idea to a live campaign — in one sitting

    Product interface shown as high-fidelity representation with synthetic data; the closing call is real recorded product audio from our demo tenant. Music: “Deliberate Thought” — Kevin MacLeod (incompetech.com), CC BY 4.0.

    What the platform enforces

    Product behaviours. Your compliance function owns the rules; the platform makes sure they are what runs.

    Mandatory disclosures

    Required openings are flow steps, identical on the thousandth call and the first.

    Prohibited language

    Wording your policy forbids is blocked in the flow and flagged in review, per market and per brand.

    Contact rules

    Windows, attempt caps and opt-outs are configured per market and enforced by the campaign.

    Sensitive data

    PII and PCI values are masked in transcripts and logs.

    Audit pack per call

    Recording, transcript, flow version, policy version and tool calls — for every call.

    Human hand-off

    Disputes, hardship and anything the flow may not decide transfer to a person with context.

    Verify it before you trust it

    Four things you can confirm yourself — the certificate, the method, and where this is built.

    BM Certification — ISO 27001

    ISO 27001 certified

    Certified by BM Certification. Data encrypted in transit and at rest.

    0%

    100% of calls audited

    Every call is scored against the same criteria — sampling never enters it.

    v4v5

    Deterministic by design

    Authored, versioned flows — you can point at the exact version that ran on a given day.

    Riga, EU

    Built in the EU

    Founded and headquartered in Riga, Latvia, for European multi-language finance markets.

    So how would we start? →

    From first conversation to live campaign

    One paid production pilot, built and bought in the same six steps — with a decision at the end of it. The numbers are a conversation; the shape never changes.

    01

    Pick one campaign

    One call type, one market, one owner accountable for the number it moves. Not a platform rollout.

    02

    Agree what winning means

    Success criteria and the ROI definition are written down before anything dials — never reconstructed afterwards.

    03

    We author the flow

    Your campaign, in the full language set the market requires. Your compliance function reads every step before it runs.

    04

    Hear it before it dials

    Simulated runs and live test calls. The version you approve is the version that runs — reviewed and numbered.

    05

    Run it paid, in production

    Real list, your contact rules, per-second billing — and no charge for ringing, failed connects or no-answers.

    06

    Decide at the review

    Convert, expand, repeat, pause or stop — against the criteria written at the start, with every call as evidence.

    Concurrency, included minutes and integration scope are set per tier, so the bill tracks what you actually run. We will tell you before the pilot which of those limits your campaign is likely to touch.

    Fits the stack you already run

    No rip-and-replace, no migration project. Convershake connects to your CRM, your telephony and your payment tools, takes its call lists from them, and hands every outcome straight back — so campaigns show up in the systems your teams already live in.

    CRM & servicing
    Telephony & CCaaS
    Convershake
    Identity & access
    Payments

    Works with

    VCC LiveGenesysEnreachFive9NICETwilio FlexSalesforceHubSpotZendeskServiceNow

    And if your system is not on the list, it connects the same way — through your carrier or our open API.

    Questions we get from this segment

    Short answers, including the ones where the answer is no.

    Bring us the campaign you would run first

    We will tell you what is enabled in your market today, what has already carried production calls, and what it would take to run it.