Colektia is an advanced online platform that personalizes debt collection strategies by optimizing communication channels (email, SMS, and calls), tone, and timing through machine learning. Originally a SaaS provider, the success of its solution led to an evolution in its business model, now offering a comprehensive debt collection service. Today, Colektia leverages AI to develop predictive digital collection models, determining the optimal timing, frequency, and channel to maximize recovery rates while minimizing human intervention and enhancing operational efficiency.