# Payment Reminder & Collections — Financial Services AI agent | Mihu AI

Financial Services · Collections

# Payment Reminder & Collections

Improve cash flow and reduce DSO with respectful, automated payment recovery.

Set up this outcome

## Apps this needs

Core / Policy System Lending, policy or subscription system for renewals & balances. Connect during setup

Payments / Checkout Send secure pay links and reconcile paid / overdue balances. Connect during setup

WhatsApp Business Send confirmations and let customers reply on WhatsApp. Connect during setup

SIP Trunk Route inbound & outbound calls through your phone system. Connect during setup

CRM Salesforce, HubSpot or your local CRM for leads & contacts. Connect during setup

## How it works

Detects an overdue balance within days of the missed payment — before it's reported to credit bureaus — via the servicing system's delinquency flag, and reaches the customer courteously via voice (Twilio, 3CX, RingCentral, or a carrier-direct SIP trunk), WhatsApp or SMS.

Shares the amount due and a secure pay link as the primary path.

Identifies hardship signals and, following required compliance scripting, offers connection to a hardship program where relevant.

Anything requiring a payment plan negotiation is escalated to a human collections specialist.

Reconciles paid items and logs outreach and outcome to the CRM .

## Data sources

AR / ledger export Payment status CRM

## What it targets

Overdue balances recovered Target 38%

Days sales outstanding Target -9d

Reminder → payment rate Target 30%