Solution Benefits
Transforming debt collection with AI-powered solutions that deliver better results while reducing costs.
Accelerated Recovery Rates
AI agents use real-time behavior and segmentation to tailor outreach across SMS, WhatsApp, email, and voice—at the right time, with the right tone. Strategies adapt dynamically to customer responses, preserving empathy while driving repayment.
Reduced Costs
AI agents replace expensive call centers and third-party agencies, cutting overhead and compliance risk. Human teams focus on complex cases while AI handles the rest—all with clear, usage-based pricing.
Scale Effortlessly
Easily serve millions with 24/7, multilingual AI support. Instantly adapt to new products or regions, integrate with existing systems, and stay compliant—no extra headcount needed.
AI Powered Collections Engine
Revolutionizing debt collection with intelligent agents and data-driven strategies

Collections Summary®
532
Total Accounts
42
Resolved Accounts
$453,172
Outstanding Balance
$80,720
Collected Balance
Last 6 Month Performance
Customer Status
Customer Sentiment
Channel Performance
Profile Distribution
Repayment Probability
Complaints
Collect
Collect more, faster, from happier customers through our hyper-personalized approach. By leveraging customer insights and behavioral data, we tailor reminders, communication channels, and timing to each individual—making the process smoother, more respectful, and more effective.
Learn
Leverage our self-learning AI that continuously evolves from every interaction, automatically improving collection strategies while discovering new patterns and adapting to changing borrower behaviors without human intervention.
Optimize
Continuously improve collection performance through data-driven insights, enabling real-time strategy adjustments and enhanced decision-making for better outcomes.
Our
Story
Aditi and Bhavna met over coffee discussing their startup ideas. Both were looking at different aspects of the financial industry. As they talked, it became clear that debt collection was a huge area that almost no one was looking at.
Aditi, Pinakyne's Founder, brings 10 years of extensive AI and tech experience from her time in banking and fintech. Bhavna, the Co-founder, is an experienced digital and AI transformation executive with over 20 years of experience, most recently leading large-scale sales initiatives at Google.
Together, they founded Pinakyne with the vision of building AI agents that could transform the collections industry, making it more efficient, respectful, and effective.
Pinakyne is backed by advisors with decades of experience in banking, enterprise technology, and regulatory compliance. These industry leaders provide strategic guidance on product development and navigating complex financial regulations as the company advances its mission.
Meet Our Team
Our team of experts brings decades of combined experience in AI, finance, and technology to build innovative solutions for the debt collection industry.

Aditi Chatterji
Founder & CEO
Previously: HSBC

Bhavna Taneja
Co-founder
Previously: Google

Kostya Shundyak
AI and Technology advisor
Previously: Barclays
Pinakyne