Find the right channel.
Every debtor has a preferred channel. AutoSettle detects it from real engagement data and routes future communications accordingly.
- Automatic channel detection
- Per-debtor preferences
- AI-driven channel switching
- Multi-channel fallback logic
Hartley Brooks Ltd
12 opens, 3 clicks
Meridian Corp
8 reads, 2 replies
Atlas Group
15 reads, 5 replies
Nova Services
4 deliveries, 1 reply
Vertex Holdings
QR scan detected
Four recovery channels
Each channel captures different signals — the system learns which works best per debtor.
Signals tracked
- Open tracking
- Click tracking
- Time-to-open
Strength
Widest reach. Best for detailed communication with links, attachments, and formal tone.
Best for
Initial contact, formal notices, payment plan offers, and debtors who consistently open.
Signals tracked
- Delivery receipts
- Read receipts
- Response detection
Strength
Highest engagement rates. Messages are read within minutes. Personal and direct.
Best for
Debtors tagged 'prefers_whatsapp', mobile-first businesses, and quick follow-ups.
SMS
Signals tracked
- Delivery confirmation
- Response tracking
Strength
Near-100% delivery rate. Cuts through inbox noise. Short, direct messages.
Best for
Urgent reminders, debtors who don't open emails, and time-sensitive payment deadlines.
Physical Letter
Signals tracked
- Dispatch confirmation
- QR code scan tracking
Strength
Formal authority. Cannot be ignored or filtered. Creates a physical paper trail.
Best for
Unresponsive debtors, pre-legal escalation, and formal Letter Before Action delivery.
How channel optimisation works
From engagement tracking to intelligent channel routing — automatically.
Engagement tracking
Every open, read, click, and response is recorded per channel — building a complete engagement profile for each debtor.
Channel scoring
The system counts engagement events per channel and identifies which one consistently gets the strongest response.
Best channel assignment
The channel with the highest engagement count is assigned as the debtor's 'best_channel' — stored on their profile.
AI controller adaptation
Your AI controller reads the best channel and prioritises it for future communications — reducing wasted messages.
Channel optimisation across the Recovery Engine
The right channel at every stage of recovery.