Prodigal

Tax season gives collections a short, predictable window where delinquent borrowers are liquid and ready to settle. Most operations treat it like any other month. Tax Day is April 15. The window is closing: bit.ly/4t2WbeX

Collection agencies don't work every account. They work the ones that pay best. That's not a flaw, it's how the contingency models are designed. But the question is what happens to everything else that remains untouched? Full analysis: bit.ly/476cKO9

NYC’s new rules tightens debt collection. 3 contact attempts per 7 days Dispute rights: anytime, any channel 60 days to verify debt or it becomes uncollectible Medical debt requires financial assistance disclosures What's New York requirement today could be nationwide tomorrow.

Tax refund doesn’t change consumer behavior, refund visibility does. The moment consumers know a refund is on way, decisions get made. We break down how refund status affects response rates and why timing matters more than volume: bit.ly/4rUnVkH

What we shipped: 1⃣proAgent now uses available consumer data to improve how it hears names in real time. 2⃣proAgent evaluates whether spoken name & name on file sound same, for accents, audio distortion & speech variation. Now, more consumers pass verification on 1st attempt.

It started with Clawd But the name was flawed Then they did bolt .. To call it molt 🦞 Any case the future is clear ... So I spoke with @Forbes here forbesindia.com/article/ai-tra…

At Prodigal, we build voice AI agents for loan servicing & collections. A wrong output = compliance issue. So the AI we build on has to be solid. @Inc42 recently wrote about this, and covered how we use @AnthropicAI. 👉 Access the full article here inc42.com/features/why-i…

W-2s arrive next Monday. A server making $45K gets $8K refund. An office worker making $80K gets $1.2K. Why? Tips and overtime deductions (up to $25K each). Income doesn't predict refunds, what people can claim does. Stop targeting by income brackets: bit.ly/4rgqfCh

Great couple of days at #ARMTech2026 in Dallas. The user group session brought together a diverse group and sparked some genuinely thoughtful conversations. And last night, we had dinner with folks across the industry. A good reminder of why in-person connections still matter.

Intelligence layer architecture for collections is what separates scalable AI from risky automation. Shantanu Gangal explains why data context enabling AI decisioning and breaking data silos in receivables are non-negotiable. Watch here 👉 zurl.co/FbHEW

The IRS starts accepting tax returns next week. Get your targeting wrong and you'll spend tax season chasing accounts that can't pay. In part-one of our four-part series we break down what changed with refunds and how to rethink your segmentation: bit.ly/3Nu8MaY

Testing AI agents is hard because every change creates a tradeoff. Speed up the voice → interruptions Fix interruptions → awkward silence Reduce latency → accuracy drops In consumer finance, assumptions don’t cut it. You have to be absolutely sure: bit.ly/462hGCS

At #ARMTech2026, we’re hosting a User Group Meeting on AI Agents. We’ll bring Prodigal’s on-the-ground experience with lived realities of our customers. 🗓️Thu, Jan 22 | 2:30-3:30 PM CST Invite-only. If you’re attending & like to join, reach out to our team at Booth #42.

🚀 We’re heading to Dallas for #ARMTech2026! Our team will be on the ground throughout the event, meeting lenders, servicers & collections teams on how AI is changing the way customer conversations and payments are handled. Come by and say hello at 𝗕𝗼𝗼𝘁𝗵 #𝟰𝟮.

BREAKING::

Happy Holidays from Prodigal! 🧡 As 2025 wraps, we're grateful for every customer, partner, and teammate who trusted us to push what's possible with AI in consumer finance. Thank you for letting us be part of your story. #HolidaySeason #AIinCollections #AIAgents

From @iitbombay to building the future of collections 🚀 Grateful to @YourStoryCo for featuring our journey at Prodigal, proving that collections doesn't have to be aggressive to be effective. Read our journey: yourstory.com/2025/12/prodig…

A complete guide for loan servicers to manage loan forgiveness complexities amidst shutting down of SAVE program by the government: bit.ly/4q083w1

Student loan repayment are going to spike for 7M Americans who've been paying $0. With SAVE shutting down, borrowers must switch to standard plans. Financial companies can expect higher delinquencies, operational chaos, and a test of who can help vs. who just sends notices.

75% of Gen-Z prefer self-service. Yet, most systems still force the call. The solution isn't better dialers, it's containment. Stop measuring call volume and start measuring how many borrowers never needed the call. Full breakdown: bit.ly/4pXgc4u