One platform for your entire collection operation.
From strategy to execution — Koda Collection automates bucket management, workflow orchestration, and omni-channel outreach while giving agents a purpose-built workspace to hit targets. Built for multifinance, banking, and lending institutions that need to scale without sacrificing control.
What's holding your collection team back?
Agents are working off spreadsheets and manual calls
Data is scattered, stale, and error-prone. Agents duplicate calls, miss debtors, and spend hours dialing with no smart prioritization or auto-retry.
Managers have no real-time visibility
There's no unified view of agent activity, channel outreach, or debtor status. Problems are discovered end-of-day — too late to course-correct.
Promises and follow-ups fall through the cracks
Without automated escalation and PTP tracking, high-risk debtors slip past the team. Broken promises go untracked until it's too late to recover.
Everything you need — from strategy to collection.
Aging Bucket Workflow Engine
Automatically categorize debtors by DPD stage and trigger the right action — from gentle reminders to full escalation. Rule-based, zero manual sorting.
Predictive Auto-Dialer
Reach hundreds of debtors automatically. Agents only handle live conversations — zero idle time, maximum contact rate.
WhatsApp & SMS Automation
Schedule and blast personalized payment reminders across channels. Set templates, define triggers, and let the system handle delivery.
Agent Workspace & Smart Queue
Each agent gets a prioritized debtor list daily. Full interaction history, remark logging, and PTP tracking — all in one clean workspace.
Promise-to-Pay Tracking
Log PTP agreements with dates and amounts. Get automated alerts when they're due. Chase broken promises before they become write-offs.
Real-Time Performance Dashboard
Monitor collection rate, contact rate, and agent KPIs live. Daily reports generated automatically — ready for management in one click.
Built for enterprise-grade collection operations.
Deployment
Cloud, Dedicated, or On-Premise
SaaS for fast start, dedicated DB for data isolation, or full on-premise for regulated institutions.
Integration
REST API & File Import
Connect your core banking or LOS system via API, or batch-import debtor data via CSV/Excel.
Security
End-to-End Encryption
TLS in transit, AES-256 at rest. Role-based access control with full audit logging.
Compliance
OJK-Ready Reporting
Built-in report templates aligned with Indonesian financial regulatory requirements.
White-Label
Fully Brandable
Your logo, your colors, your name. Each client sees their own branded platform — not ours.
Performance
Sub-Second Response
Optimized for large debtor queues — no lag even with tens of thousands of active accounts.
Up and running in days, not months.
Connect Your Data
Import your debtor database via API or file upload. Segment by aging bucket, product type, or any criteria you define.
Configure & Assign
Set bucket rules, escalation workflows, and agent assignments. The system distributes queues automatically every morning.
Collect & Track
Agents work their queues — call, log results, set follow-ups. Supervisors monitor progress in real-time from the dashboard.
Optimize & Report
Use analytics to see what's working. Refine your strategy every cycle. Auto-generated reports ready for management review.
Built for the industry
that needs it most.
Transparent, usage-based pricing.
- Per-seat licensing — pay only for active agents
- No upfront license fee — monthly subscription model
- Includes onboarding, training, and data migration support
- Volume discounts available for 50+ seats
- Custom enterprise plans with SLA guarantees
See Koda Collection
in action.
Schedule a demo and we'll walk you through the platform — tailored to your specific operation.