How automated conversations expanded coverage and improved payment regularization
Across a comparable cohort of 1,089 accounts, the portfolio managed with Volanti reduced its overdue balance by 34.48%, compared with 29.68% for the control group. It also ended the period with 5.58 percentage points more accounts carrying no overdue balance.
| Overdue balance reduction | No overdue balance | Accounts that improved | Monthly contacts |
|---|---|---|---|
| 34.48% vs. 29.68% | 57.01% vs. 51.43% | 63.1% vs. 56.3% | Approximately 800 |
| +4.80 percentage points | +5.58 percentage points | +6.8 percentage points | Since April 2026 |
The challenge: consistent follow-up across the portfolio
Payment management requires teams to consider account history, overdue status, payment methods, and position in the billing cycle. The dealer wanted to expand coverage without increasing manual work at the same rate, maintain follow-up before and after deadlines, and make payment easier within one channel.
The solution: contextual management throughout the payment cycle
1. Segment customers using payment data
Volanti uses payment history, overdue status, and previously used methods to prioritize and personalize each interaction.
2. Reach out before and after the deadline
The agent starts preventive conversations and automatically resumes follow-up when a balance remains outstanding.
3. Resolve the next step inside WhatsApp
The AI agent answers questions and objections with account context and provides the appropriate payment method or link.
4. Bring in a human when needed
Exceptions, negotiations, and sensitive situations are escalated to an advisor with the conversation context.
The results: faster overdue balance reduction
Accounts were assigned to Volanti or the control group according to the final digit of their subscription ID. The analysis followed a stable cohort of 1,089 accounts across five snapshots from April 6 through April 23, 2026.
| End-of-period result | Volanti | Control group | Difference |
|---|---|---|---|
| Overdue balance reduction | 34.48% | 29.68% | +4.80 pp |
| Accounts with no overdue balance | 57.01% | 51.43% | +5.58 pp |
| Accounts that improved | 63.1% | 56.3% | +6.8 pp |
Both groups started with nearly the same share of accounts carrying no overdue balance: 0.70%. By the end, the Volanti-managed portfolio had reduced its total overdue balance further and brought a larger share of accounts current.
The key lesson: automation works when it preserves context
Effective automation means recognizing payment history, acting at the right time, making the next step easy, and knowing when a person should take over.
Bring this strategy to your payment operation
Volanti helps automotive and mobility businesses manage payment portfolios with AI agents that reach out before and after due dates, answer questions, facilitate payment, and escalate cases that need human attention.
Talk to the team to discuss your operation.
Source and note on metrics: Volanti internal analysis of a stable cohort of 1,089 accounts observed in five snapshots from April 6 through April 23, 2026. Assignment used the final digit of each subscription ID. “Approximately 800” refers to contacts managed per month, not unique customers. Individual results may vary based on portfolio composition, data quality, and management rules.