Millions of debtors.
One platform.
Massive portfolios, heavy regulation, high cost per contact. Dyvit automates bank debt collection with native BACEN and CDC compliance, unlimited volume, predictable cost.
Reduction in cost per contact vs call center
Native BACEN, CDC, and LGPD compliance
Contracts contacted simultaneously
Go-live with banking core integration
What keeps banks up at night
Three structural problems that traditional solutions don't solve. Costing dearly when presenting results to the board.
Average cost per contact at a bank call center: R$65-R$120. Multiplied by millions of contracts, the collection budget consumes margin that should go toward lending.
More than 120 regulatory provisions from BACEN and CDC directly impact the collection process. Every non-compliance is a risk of enforcement action and reputational damage.
On average, 47% of overdue contracts receive no outreach attempt in the first 30 days. Simply due to lack of operational capacity.
Compliance and scale, no compromise
Four capabilities Dyvit delivers natively for banks. No customization, no manual integration, no dedicated team.
BACEN Resolution 4.557, CDC Art. 42, LGPD, and contact hour restrictions configured by default. Complete audit trail available on the platform.
The agent operates thousands of simultaneous conversations with no marginal cost per contact. Scale from 50K to 500K contracts without changing operational cost.
Cases with litigation risk or agreements above the threshold are automatically escalated with full conversation context.
Native connectors for TOTVS, SAP, Oracle, and legacy systems via REST API. Real-time automatic settlement. Zero manual reconciliation.
Banking regulation as a product
Every regulatory rule relevant to bank debt collection has been implemented as a default configuration. Not as a post-sale checklist.
Complete audit trail for every outreach, agreement, and payment. Reports in the format required for BACEN supervision.
Tone calibrated for Consumer Protection Code compliance. Never uses coercive language, threats, or pressure.
Consent, opt-out, portability, and deletion built in. Data stored in ISO 27001-certified Brazilian datacenters.
No contact outside regulatory permitted hours. Automatic configuration by product type and debtor profile.
From contract to payment
How Dyvit operates within the bank collection process. From first outreach to core settlement.
Numbers that matter
"We reduced cost per contact by 3.2x and increased the recovery rate by 38 percentage points in the first 60 days. What surprised us the most was compliance: the compliance team found zero non-conformities in 6 months of operation."
Dyvit vs traditional operations
A direct comparison of the metrics your finance team will want to see before approving the project.
Other solutions
Collections for
banks
Book a demo and see how Dyvit can transform your company's receivables recovery.