AI Engine
Real-time decision intelligence
KAIROS reads all accounts simultaneously and scores the next best action in milliseconds — behavioral, salary, channel, and cost signals unified.
GCC-Native · Collections Decision Intelligence
Opportune moments, created by the right action at the right time.
Every account deserves
its own recovery moment.
KAIROS replaces static, bucket-based collections with account-level recovery decisioning — powered by behavioural, salary, channel, cost and predictive intelligence. Purpose-built for the GCC.
+18%
Lift in 30-day cure rates
−42%
Reduction in contact cost
2.3×
Right-channel response rate
Purpose-built for GCC institutions
🏦Banks
💡Fintechs
📡Telecom
📱BNPL
🌐Digital Lenders
🚗Auto Finance
🏢SME Portfolios
💰Salary-Backed Lending
The Problem
Static collections strategies were built for portfolios,
not for people.
Across the GCC, billions in recoverable debt are written off annually — not due to customer inability to pay, but because legacy collections strategies fail to deliver the right message to the right customer, at the right time, through the right channel.
Why KAIROS
Everything traditional platforms get wrong — fixed.
Two operating models. One built for the way GCC customers actually behave.
Legacy Approach
Traditional Collections
×Calendar-based rules. All 30 DPD accounts treated identically.
×Manual prioritization. Collectors guess who to contact next.
×Static segmentation. One strategy per bucket, forever.
×Reactive only. Acts after default — never before it deepens.
×Single channel. Customer communication preference ignored.
×Low recovery. High cost. Declining collector productivity.
Platform in Action
From signal to strategy to recovery action.
KAIROS transforms every collections touchpoint — from the first digital message to the final resolution — into a moment of precision.
Omnichannel Recovery
Personalized engagement across every channel
In-App chat, SMS, email, AI calls, and app notifications orchestrated by account-level intelligence — channel chosen per customer, not by habit.
GCC Salary Intelligence
Built for GCC repayment realities
Recovery timing aligned to WPS cycles, salary patterns, and GCC payment realities — WPS linkage, lien protocol, and salary-credit timing built in.
Decision Science + Behavioral Science
Built on the decision and behavioral science of why people actually pay.
The six principles of influence govern how humans make decisions — including the decision to repay debt. KAIROS selects the right principle per account, then builds the message and identifies the opportune recovery moment most likely to convert by combining behavioral science, payment patterns, salary timing, outreach history, account economics, channel response, and predictive intelligence.
01
Behavioral Intelligence
Who responds to which channel, sequence, and message style — and when.
02
Salary Intelligence
When liquidity is most likely to be available — WPS-aligned, salary-cycle aware.
03
Economic Intelligence
Where collection cost outweighs expected recovery — and when to stop or pivot.
04
Channel Intelligence
Which cases stay digital and which move to specialist collectors — with ranked queues.
05
Predictive Intelligence
Which action is most likely to cure, defer, or escalate — scored per account.
Business Outcomes
The numbers that matter to your board.
KAIROS is measured on one thing: quantifiable impact to your collections P&L. These are the outcomes clients achieve within 90 days.
+28%
Higher Recoveries
AI-selected timing and channel increases the proportion of accounts that cure without escalation.
25%
Lower Collection Cost
Automation eliminates wasted agent effort on accounts that would self-cure — fewer touches, smarter targeting.
2-3×
Collector Productivity
Every agent works a ranked queue of accounts where human intervention genuinely moves the needle.
90%
Decision Automation
Nine out of ten collection decisions are made and executed by KAIROS — auditable and explainable.
Enterprise Ready
Built for regulated financial institutions.
KAIROS meets the security, compliance, and governance standards of Tier 1 banks and central bank regulators across the GCC.
🔐
Role-Based Access Control
Granular permissions for executives, managers, agents and auditors. Every action is logged with a full audit trail.
🌐
GCC Regional Deployment
Data residency in-region. UAE, KSA and Bahrain cloud zones for data sovereignty and regulatory compliance.
🔗
API-First Architecture
REST APIs and pre-built connectors for core banking systems, CRMs, dialers and payment gateways.
📋
Full Audit Trail
Every AI decision is explainable and auditable. Regulator-ready documentation and decision history on demand.
🛡
Enterprise Security
SOC 2 Type II aligned. Encrypted at rest and in transit. Annual penetration testing and model governance.
⚡
30-Day Implementation
Live in 30 Days. Results in 90 Days. Dedicated team, pre-built connectors, structured onboarding and data import.
Common Questions
Frequently asked questions.
What GCC collections and risk leaders ask before an executive briefing.
What is KAIROS?
KAIROS is a trusted platform for decision science — it turns behaviours, data, and context into the next-best action, in real time. Collections is where the engine proves itself first: KAIROS scores every delinquent account and recommends the channel, timing, tone, and treatment, so institutions recover more, earlier in the DPD cycle, at a lower cost to collect. The same decisioning core extends beyond collections to any moment where behaviour, data, and timing decide the outcome.
How does KAIROS handle the CBUAE ban on WhatsApp for financial services?
The Central Bank of the UAE's directive of 17 April 2026 (effective 1 May 2026) prohibits banks from using WhatsApp and other instant-messaging apps for customer communication, payment links, OTPs, and documents. KAIROS is built digital-first for exactly this environment: it shifts delinquency treatment to an In-App-first, In-App-heavy model, rebuilding the conversational experience inside the bank's own mobile app — a compliant, in-country channel. What the market lost in WhatsApp, KAIROS helps banks regain in-app, and be first to do it.
How long does a proof-of-concept take?
A typical proof-of-concept runs on a single portfolio segment and starts with secure file-based imports, so no core-banking integration is required on day one. Most institutions see the first decision outputs within weeks, with deeper API and core-system integration scheduled once the pilot has proven value.
Does KAIROS support Islamic banking portfolios?
Yes. KAIROS supports profit-rate-based products and Shariah-conscious treatment flows, with bilingual Arabic and English communication templates across SMS, In-App WhatsApp, email, and agent scripts.
Where is our data hosted and how is compliance handled?
KAIROS supports in-country and in-region deployment models for data residency, with encryption in transit and at rest, role-based access control, and a full audit trail on every decision. Treatment strategies are built around CBUAE consumer-protection expectations and each institution's own policy rules.
How does KAIROS integrate with our existing systems?
Integration is staged. Pilots run on secure file transfer (CSV over SFTP); production adds REST APIs and connectors to core banking, loan management, and dialer systems. Outbound channels — SMS, In-App WhatsApp, and email — connect through your approved gateways.
How is KAIROS priced?
Pricing combines a one-time pilot setup fee, a monthly platform fee, and an outcome-linked component tied to incremental recoveries, with annual production tiers based on portfolio size. Request an executive briefing for a model calibrated to your portfolio.
Executive Briefing
Ready to modernise your collections operation?
See KAIROS running on a real portfolio and model the impact for your institution.
✓Live demo on your portfolio
✓Quantified P&L impact model
✓GCC deployment architecture
✓30-day go-live commitment