Smart Rules. Real-Time Actions. Seamless Repayments.
Define intelligent recovery rules using borrower behavior, wallet balance, DPD, or risk scores – and let PhotonMatters execute them automatically via wallet APIs and payment gateways.
Highlights:
Drag. Drop. Recover.
Design your entire collections strategy visually — from gentle reminders to escalation and field recovery — without a single line of code.
Key Features:
Outcome:
One platform where your collections team and automation engine work as one — improving efficiency and compliance.
Empathy Engine. Built for Responsible Recovery.
Support borrowers in financial stress through automated hardship options — all policy-driven and regulator-ready.
What You Can Configure:
Impact:
Recover with empathy — sustaining portfolio health while strengthening borrower trust.
End-to-end digital recovery, from wallet deduction to final closure.
Seamlessly connects collectors, agents, and automation flows.
Works across WhatsApp, SMS, IVR, and in-app messaging.
From microloans to SME finance — rules, tone, and actions adapt easily.
Built-in hardship and restructuring tools promote responsible lending.
Manage disbursement, servicing, restructuring, and closure - all from one system with minimal manual effort.
Monitor portfolio health, risk exposure, and compliance metrics via customizable reports.
Auto-sync loan events with GLs for accurate accounting and full journal-level traceability.
With audit trails, encryption, and role-based access, you're ready for any regulator - anywhere.
