A fintechTMB, specialized in payments via installment boleto and solutions for the infoproduct creator, recorded a 22% increase in revenue after implementing an artificial intelligence (AI) solution in the collections sector. The change, that increased the effectiveness of payments by 35%, has directly impacted the company's results
Reinaldo Boesso, CEO of the company, explain that the collection operation is intensive. With a base of approximately 400 thousand students, the call center performs, on average, five daily calls for each client. The number of calls is huge, and this volume was only managed with the support of our AI technology, highlights
The artificial intelligence solution was implemented with three main objectives: to establish an intelligent framework to approach customers in a personalized way, provide instant feedback – through audio analysis that evaluates 10 aspects of the approach – and promote continuous training based on this data. With this approach, the efficiency of operations increased by 272% and the average resolution time for collections was reduced by 87%
According to Boesso, this scenario allowed for a 22% growth in revenue, just making this change in the billing. "Today the"TMBthere is no installment or setup, we only win when we manage to receive from the students, so the impact is direct.
The executive also points out that the fintech's goal is to keep delinquency below 10%, objective that, according to him, will provide greater peace of mind for customers to operate with the company. "A good part still has some fear regarding default"
"Today, AI not only recovers payments, how do you qualify the company's team, evaluating scripts and automatically training those with below-average performance, highlighted the CEO, emphasizing the role of the exclusive Research and Development team of Collections, que realiza testes A/B semanalmente para aprimorar processos e resultados
The robust investment of over R$20 million, carried out in 2024, encompassed technology, training and qualification of employees, reinforcing the concern with innovation and the continuous improvement of its processes. This technological strategy allowed for the optimization of cash flow and also reduced operational barriers, contributing to increasing customer trust in the fintech's billing system, evaluate Reinaldo
The trajectory outlined by Boesso demonstrates how the integration of digital solutions and data analysis can transform traditional processes, contributing to the competitiveness and sustainable growth of the company in a challenging market
In addition to the significant results in revenue, the technological strategy of TMB has generated positive repercussions in the business environment. Through the integration of advanced digital solutions, the fintech also raised customer satisfaction levels. "By reducing the resolution time of collections and optimizing service", we managed to establish a more transparent and trustworthy relationship with our partners, закінчує
This approach, based on artificial intelligence, has served as a model for other companies in the sector, demonstrating how innovation can transform traditional processes and boost competitiveness in a challenging economic landscape
For the future, TMB is betting on the expansion of its portfolio of financial solutions, aiming to consolidate its position in the market and meet the demands of the content creator. The robust investment in training, technology and continuous development also seeks to expand the growth opportunities for infoproduct creators. With the perspective of diversifying products and establishing strategic partnerships, a fintech designs new horizons to transform the credit dynamics in the sector, reaffirming its commitment to innovation and financial sustainability
