Skit.ai

Skit.ai is a conversational AI platform for debt collection that contacts consumers by voice, SMS, email and chat, negotiates and takes payments, and hands complex cases to human agents. It automates the routine volume of a collections operation while keeping every interaction inside regulatory guardrails. It serves banks and lenders, collection agencies and law firms, healthcare systems and medical credit providers, fintechs and utilities. The platform is organized as seven specialized agents: Manager for routing and approvals, Collector for consumer conversations, Analyst for propensity to pay scoring and segmentation, Auditor for real time compliance monitoring, Coach for quality review and agent training, Scrubber for filtering accounts before contact, and Tracer for skip tracing. Managers can query portfolio performance in natural language and receive recommendations. Disputes and hardship are detected automatically and escalated to humans. Integrations cover CRMs such as Salesforce, dialers such as Genesys and Twilio, and payment processors. Compliance controls address FDCPA, TCPA, Regulation F, HIPAA, HITECH and PCI DSS, with SOC 2 Type II and ISO 27001 attestations. Pricing is not published. The vendor describes performance based commercial models for some engagements, under which it earns more as it collects, and terms are agreed per customer. Skit.ai is headquartered in New York with operations in India.