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Work every account. Until there is an outcome.

AI agents for consumer lending

Vector is an AI agent for collections, applications, refinancing and servicing. It works each account across calls, text and email, and hands over to your team only when a decision needs a person.

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Trusted by banks, lenders and consumer businesses

Built on Synthflow. 100 million calls. 100+ enterprise customers.

Why Vector

Most AI handles a call. Vector works the account.

As a long horizon agent, Vector is given an account and an outcome. It remembers what happened, comes back at the right time on the right channel, and is judged on the result for the account, not the end of the call.

Mission specialists

One agent, the whole account lifecycle.

Vector runs four jobs in consumer lending. Start with one, add the next when you're ready; the account history carries across all of them.

Robin

Collections

Reaches the borrower before they are delinquent, agrees a payment or a plan within your policy, follows up on every promise and flags hardship for your team.

Key outcome
Promise to Pay secured. Follow-up already scheduled.
Escalates when
Hardship, affordability and forbearance decisions.

Live with lenders

49%PTP / RPC4%PTP per mission

Compliance in the workflow

Every action is checked before it happens. Every decision is recorded.

Vector separates the conversation from the rules. A policy engine decides what Vector may do, and runs around 70 checks before a call is placed or a message is sent. If a check fails, the action is blocked or handed to a person.

Security

Trust Center
  • SOC 2 Type IIAudited
  • ISO/IEC 27001:2022Certified
  • GDPRCompliant
  • Hosted in Germany, built in Berlin
  • US regional deployment

United States

FDCPA Debt collection conduct Regulation F Call frequency and timing TCPA Consent for calls and texts UDAAP Unfair, deceptive or abusive practices State contact rules By time zone

European Union and Germany

EU AI Act Art. 50 Disclosure at the start of every conversation GDPR Art. 22 No decision on automation alone Kreditzweitmarkt­gesetz Rules for credit servicers UWG and TKG Rules for calls and messages CCD II Forbearance from 20 November 2026

Results

Already proven in the most complex conversations

40%
higher right-party contact vs collections team
100%
of calls are compliant
<500ms
response time (same as human conversations)

Tier-1 US lender · 0 to 60 days past due

  • Collections team
  • Vector

Team figures are the lender's top-performing collectors on the same accounts.

Tier-1 LatAm Bank · Overdue consumer accounts

  • Vector

Full-balance commitments, not partial plans. Spanish-language voice agent working the bank's early-stage book.

How we work with you

Prove the outcome before you scale.

  1. 01

    Define.

    One portfolio segment, your baseline, the KPI, the limits.

  2. 02

    Build.

    Connect your telephony, CRM and payments. Configure the policy. Test with synthetic cases until compliance signs off.

  3. 03

    Run.

    Live on your accounts, with your team's visibility and decision points. The first two weeks are supervised operation with transcript review.

  4. 04

    Prove.

    Measured against your baseline.

A dedicated forward-deployed engineering lead runs each phase.

Infrastructure

Runs on your stack.

Telephony: your carrier or ours.

Deployment: US and EU regions, dedicated options. Data residency in Germany available.

Regional deployment

  • US and EU
  • Dedicated optionsWhere required

Your telephony

  • SIP trunkingYour carrier or ours
  • PBX / BYOC

telephonyIts own SBCs, media servers and regional points of presence, built for burst traffic.

Your systems

  • CRMor your own
  • ServicingYour servicing system
  • PaymentsYour payment processor
  • MessagingSMS, email
  • APIs & toolsWebhooks, REST

Enterprise security

  • SOC 2 Type II
  • ISO/IEC 27001:2022
  • SSO
  • Audit log

FAQ

Does the customer know they're talking to an AI?

Yes. Vector discloses it at the start of every conversation, and confirms who it's speaking to before mentioning a balance.

Who sets the rules?

You do. Contact windows, frequency, channels, offers, escalation triggers and the decisions reserved for people are configuration your compliance team controls and versions.

What happens when someone is in hardship?

The account is paused and handed to your team with the full context. Vector doesn't make affordability or forbearance decisions.

How many conversations are checked?

Every one. Every action is checked before it happens, and every decision is logged with its policy version. Human review of every escalation.

How do we prove value before scaling?

Start with one portfolio segment, your baseline and your KPI. Run it on your accounts. Decide on the evidence.

Is Vector priced per minute?

No. Pricing is built around the outcomes we agree.

Where does it run?

US and EU regions, with dedicated and German data residency options.

Which channels and languages?

Voice, text, email.

Start here

Pick one portfolio. Prove the outcome.

One cohort. An agreed baseline. Your own accounts.

Run it on your accounts

Vector by Synthflow AI. Built for consumer lending. Hosted in the US and EU, built in Berlin.

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