We're reimagining debt collection from the ground up

For too long, debt collection has been stuck in the past. Manual processes, aggressive tactics, and the constant trade-off between recovery rates and customer relationships have plagued businesses across healthcare, fintech, and B2B sectors. The old playbook — offshoring calls, rigid scripts, or simply writing off debt — is fundamentally broken.

At Pinakyne, we believe there's a better way. Drawing from our experience at Google, Stanford, HSBC, and Barclays, we've built an AI-powered platform that transforms how businesses approach collections. Our years researching machine learning in finance revealed an opportunity: the highest returns come from early-stage delinquency, where volume is highest and customers are most responsive — especially when approached with empathy rather than aggression.

Why timing is everything

The collections industry has it backwards. Most solutions focus on late-stage delinquency — helping lawyers file litigation or making field agents more efficient. But by then, the cost per dollar collected has skyrocketed, and the customer relationship is often beyond repair.

The real opportunity lies in the first 60 days of delinquency. This is where the bulk of accounts sit, where customers are most likely to pay, and where intelligent automation can have the greatest impact. While others chase marginal improvements in late-stage collections, we're revolutionizing the top of the funnel with AI agents trained to understand that behind every overdue account is a person facing unique circumstances — job loss, medical emergencies, or unexpected expenses.

Our approach: Intelligence at scale

Pinakyne maximizes your return on collections by focusing where it matters most:

• Volume advantage: We target early delinquency where you have the maximum number of accounts and the bulk of outstanding balances
• Intelligent engagement: Our AI agents handle optimized segmentation, personalized messaging, and dynamic negotiation — all at scale. They're trained to offer flexible payment plans, understand timing constraints, and communicate with respect and dignity. Need to contact 1,000 accounts but only have capacity for 200? Our voice agents handle the rest with the same empathetic approach

This isn't about replacing human agents entirely. It's about deploying AI where it delivers maximum ROI — in high-volume, early-stage collections — while reserving human expertise for complex cases that truly need it. Our empathetic approach doesn't just feel better; it works better, with higher recovery rates and preserved customer relationships.

Customer empathy and compliance aren't afterthoughts; they're core to everything we build. Because we believe that the best collection strategy is one that preserves relationships while accelerating cash flow. That's the Pinakyne difference.