Portals
Debtor self-service portal
Enable borrowers to view balances, negotiate installment plans, and pay instantly on mobile without agent friction.
Asset Management & NPL Recovery
Multi-channel debt collections, dynamic settlements, and legal process sync.
Maximize recovery rates on Non-Performing Loan (NPL) portfolios. Provide high-converting debtor self-service portals, intelligent AI dunning agents, and seamless UYAP/enforcement registry sync.
Bank-Grade Data Isolation
UYAP / Enforcement Sync
KVKK / Masked Sensitive Data
iso 27001-aligned controls
NPL recovery stream
recovering · real-time- 14:02:11portfolio.ingestedPortfolio #VY-2026B ingested (14,200 accounts)
- 14:02:09debtor.notifiedTargeted WhatsApp & SMS settlement link delivered
- 14:02:04settlement.negotiatedDebtor accepted 6-month payment plan via portal
- 14:01:58installment.collected₺8,400 partial settlement collected via card
- 14:01:52uyap.updatedLegal enforcement file status updated automatically
Portfolio Recovery Rate+28.4% ▲ YoY
Engineered for maximum debt workout and minimal operational friction
Empower both debtors and collection teams with modern digital payment tools and automated legal synchronization.
Multi-Channel
Omnichannel collection rails
Send dynamic payment links via SMS, WhatsApp, and interactive voice response (IVR) with instant card checkout.
Settlements
Automated discount & payment plans
Configure parameterized settlement rules; allow borrowers to commit to realistic restructuring plans.
Legal Sync
UYAP & enforcement synchronization
Automatically reflect collections into court enforcement files, reducing costly legal reconciliation backlogs.
Security
High-security data separation
Rigorous multi-tenant architecture with column-level data masking and comprehensive access audit trails.
AI Agents
Intelligent collection assistants
Deploy AI agents to follow up on promises to pay, answer debtor queries 24/7, and route complex cases.
End-to-end debt recovery workflow
From portfolio onboarding to final account settlement, automating each recovery step.
1
Portfolio Ingestion & Segmentation
Clean and normalize non-performing loan data, scoring accounts by propensity to pay.
2
Digital Engagement & Negotiation
Automated outreach with personalized settlement offers and self-service payment links.
3
Flexible Cash Recovery
Instant card payments, virtual IBAN wire transfers, and recurring automated recovery deductions.
4
Legal File Clearance & Archiving
Automated debt release certificates, UYAP enforcement closure, and archival.
+28%
Increase in liquidation rate
-45%
Debtor collection overhead
<5 sec
Payment link generation
100%
KVKK & data residency safety
Transform your NPL portfolio recovery.
Increase liquidation rates with modern, compliant debtor payment experiences.