Classify every debtor.
Automatic behavioural tags — computed from real signals — that tell your AI controller exactly what kind of debtor they're dealing with.
- Automatic pattern detection
- Channel preference identification
- Response time classification
- AI strategy adaptation
Hartley Brooks Ltd
Meridian Corp
Atlas Group
Nova Services
Vertex Holdings
Five behavioural tags
Each tag is computed from real patterns — no manual classification needed.
Trigger: WhatsApp read receipts exceed email opens
This debtor consistently engages more via WhatsApp than email. The AI controller prioritises WhatsApp as the primary channel.
Implication: Switch primary channel to WhatsApp. Reduce email frequency. Ensure WhatsApp templates are configured.
Trigger: 3+ messages sent with zero opens or reads
Complete silence across all channels. No opens, no reads, no clicks — the debtor is ignoring all communication attempts.
Implication: Escalate to alternative channels. Consider physical letter. Flag for faster progression through recovery stages.
Trigger: 2+ email opens with zero link clicks
The debtor is reading messages but not taking action. They're aware of the debt but choosing not to engage with payment options.
Implication: Switch message framing. Try different CTAs. Consider payment plan offers to lower the barrier to action.
Trigger: Average time to open is under 2 hours
This debtor reads messages promptly — typically within 2 hours. They're attentive and engaged with communications.
Implication: Time follow-ups to arrive during their active hours. Use time-sensitive language. They're likely to see and respond quickly.
Trigger: Average time to open exceeds 48 hours
Messages sit unread for 2+ days before being opened. The debtor may check email infrequently or deprioritise these messages.
Implication: Allow longer intervals between follow-ups. Don't assume non-response means ignoring — they may just be slow to check.
How behavioural tagging works
From raw signals to intelligent classification — automatically.
Signal collection
Every email open, WhatsApp read, link click, and payment event is recorded with timing data.
Pattern detection
The system analyses patterns across all signals — channel preferences, response times, engagement depth.
Tag assignment
When patterns cross thresholds, behavioural tags are automatically assigned to the debtor's profile.
Strategy adaptation
AI controllers read tags and adjust channel selection, timing, tone, and escalation speed accordingly.
Behavioural tags across the Recovery Engine
Tags provide instant context at every stage of recovery.