AI-Powered Debt Collection Boosts Recovery Rates in Mexico and Chile

FICO reports that AI‑driven collection tools can raise payment promise fulfillment to 93 % compared with about 5 % for traditional methods, delivering up to 40 % higher agreement success and cutting collection costs by as much as 50 %.

Pomelo, a Latin‑American credit‑card management firm, announced a shift to an AI‑native engineering model that has sextupled development capacity, reduced delivery times by a factor of 3.2 and improved platform availability and resilience.

In Chile, Equifax Chile says 248 000 businesses are delinquent, with 4.9 million overdue documents; 56 % are behind more than 24 months and 23 % are 12‑24 months late. The firm is applying advanced analytics and AI to profile risk, prioritize multichannel outreach and has helped some clients raise recoveries by up to 45 %.