EXUS: Leading the change in AI-powered debt collections

Whether it’s retail or healthcare, cybersecurity or agriculture, virtually no industry has escaped recent disruptions brought about by AI.  

The same stands for debt collections, where in just a few years, we’ve seen AI go from a competitive advantage to a standard requirement across the industry.  

As a result, almost every company now claims to have integrated AI into their tools, systems and workflows. But the reality is that not all AI solutions are created equal.

Successfully implementing AI requires deep expertise and substantial resources, something not all companies possess.

AI Labs for R&D  

At EXUS, we have a dedicated division focused on AI research and innovation, with over 35 experts working to continuously deliver relevant and impactful AI solutions.

As a leader in debt recovery technology for more than 25 years, we’ve taken part in numerous European and UK-funded research initiatives, including H2020, Horizon Europe and Innovate UK programmes.

Our deep involvement in international AI research keeps us at the forefront of AI advancements, giving us early access to cutting-edge tools and ideas that we bring directly into our lab.

AI team in product engineering  

Unlike competitors that bolt AI onto their existing systems, often supported by just one or two specialists, EXUS takes a fully integrated approach.

In addition to our dedicated AI division, we also maintain a specialised team within product engineering, ensuring responsible AI is seamlessly embedded into software products from the ground up.

Our AI Lab, paired with our specialist team in engineering, has led to major breakthroughs. Recently, our Springer-published research introduced an evolutionary clustering approach as a rule extractor mechanism that facilitates decisionmakers to recognise the most significant customer characteristics and profile them into segments. This drives better recovery outcomes by helping you optimise treatment paths.

Expert AI integration 

For us, AI isn’t just a feature; it lies at the core of our technology. Our industry-leading experts are continuously refining it to address real-world challenges and deliver measurable results.

Every innovation we launch is powered by true intelligence, not just automation.

Whether it’s predictive modelling, smarter decision engines, or adaptive workflows that respond to customer behaviour, our AI is always driven by practical application and tangible impact.

Our solutions don’t just appear smart on paper. They actually help collections teams work more efficiently, recover more debt, and stay fully aligned with compliance requirements.

Why this matters for our clients  

In a market full of bold claims and surface-level automation, EXUS stands apart. While many providers offer limited AI capabilities backed by minimal resources, our approach is fundamentally different.

We invest heavily in R&D, maintain a dedicated AI team within our product engineering department, and embed AI deeply into our platform, ensuring that it drives real value, not just marketing headlines.

As a result, our clients benefit from:

• Enhanced predictive analytics and automation

• Stronger compliance monitoring 

• Robust, reliable AI tools 

With deep AI expertise, continuous R&D and seamless integration, our AI solutions help businesses collect smarter and reduce unnecessary communication costs.

AI leadership you can rely on 

As the industry trends towards major AI adoption, EXUS aims to lead the way, not just keep pace. In today’s landscape, simply having AI isn’t enough. What matters is who’s developing it, how it’s applied and whether it really delivers results.

The future holds immense opportunity for those who embrace AI carefully and with an awareness of its risks. With a fully equipped AI research division, top-tier talent in product engineering and a track record of skilfully integrating AI to solve real-world challenges, EXUS is the partner you need.