Publications

Insights on
smart collections

Strategy, product, and data for teams running credit and recovery operations in Brazil.

Strategy Mar 5, 2026

Why traditional collections don't scale: the case for intelligent automation

The call-center model hits a predictable operational ceiling. In this article, we analyze the cost, schedule, and conversion bottlenecks that make AI inevitable for credit operations above 5,000 contracts.

Dyvit Team · 12 min read

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Product · 8 min

How Dyvit's negotiation engine works in practice

From portfolio upload to a deal closed via WhatsApp. We explain every step of the autonomous flow: contextual analysis, message personalization, and Pix confirmation.

Data & AI · 10 min

Payment propensity scoring: how AI prioritizes your portfolio

Not every debtor responds the same way. Learn how scoring models analyze payment history, delinquency brackets, and preferred channels to maximize recovery rates.

Regulation · 7 min

LGPD and digital collections: what your operation must guarantee

Consent, opt-out, data portability, and deletion. We map out the practical LGPD requirements for anyone running AI-automated collections in Brazil.

Strategy · 6 min

WhatsApp vs. SMS vs. email: which channel converts best in collections

We compare open rates, response rates, and conversion across the three most-used channels in digital collections. The data reveals up to an 8x difference between them.

Use cases · 5 min

Fintech cuts delinquency by 34% with WhatsApp and Pix collections

A case study of a personal credit fintech with 12,000 active contracts. Automating collections reduced the cost per settlement by 67% and accelerated the recovery cycle.

Product · 9 min

Pix as a conversion engine: why instant payments transform collections

Pix eliminated the friction of bank slips and wire transfers. We analyze how instant payment links on WhatsApp increase conversion rates by up to 3x compared to traditional boletos.

Insights onsmart collections