collectAI

What collectAI does

collectAI (legally collect Artificial Intelligence GmbH) is a Hamburg, Germany-based SaaS company that provides AI-powered accounts receivables management software to enterprises with high volumes of recurring consumer claims. Founded in 2016 and operating as a wholly-owned subsidiary of Aareal Bank Group, the company serves 50+ customers across eight verticals — energy and utilities, insurance, banking and financial services, housing and real estate, e-commerce and retail, publishing and subscriptions, telecommunications, and car rental — with named enterprise clients including Generali, OTTO, Acer, Esprit, Hanseatic Bank, R+V Versicherung, enercity, and N-ERGIE.

The platform architecture consists of a core Order-to-Cash engine augmented by an AI layer of three proprietary Smart Assistants: Smart Intent Recognition (NLP for classifying customer message intent and tone), Payment Probability (predictive analytics with reinforcement learning for forecasting payment timing), and Smart Communication (contextual bandits for optimizing channel and timing across email, SMS, WhatsApp, and QR-coded letters). Supporting modules include a drag-and-drop Workflow Builder, a Whitelabel Solution for brand preservation, a Data Enrichment AI for GDPR-compliant customer data updates, and a Select & Pay e-commerce payment solution. The Integration Hub provides pre-built enterprise connectors for SAP FI-CA (co-developed with DSC GmbH), Salesforce, and Powercloud, plus a REST API and custom integration services. AI models are trained on 260 million+ GDPR-compliant processes accumulated over 8 years. The platform is ISO 27001 certified, TÜV data protection certified since 2019, and runs on AWS infrastructure.

Revenue is generated through volume-based SaaS subscriptions, with pricing tied to claims processed and customers served, delivered via direct enterprise field sales complemented by channel partnerships (DSC for SAP-enabled utilities sales), an API-first self-service model for technically capable customers, and the Aareal Bank Group relationship for banking-sector distribution. Marketing relies on vertical industry events (BDEW, VKU), a content hub with case studies and guides, LinkedIn presence, and HubSpot marketing automation. The company has processed over €20 billion in cumulative receivables volume and reports customer outcomes including 90%+ of receivables settled before due date, 30%+ cost reduction, and 72% DSO reduction, with specific case study results including 80% collection rates and NPS 58 in banking, 75% reduction in dunning letters with NPS +41 in insurance, and doubled payment rates with 90% reduction in service inquiries in utilities.

Name

collectAI

Legal name

collect Artificial Intelligence GmbH

Website

https://collect.ai

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

collectAI provides AI-powered SaaS for automated accounts receivables management to enterprises with high-volume recurring consumer claims across utilities, insurance, banking, and other verticals in Europe, processing over €20 billion in receivables for 50+ customers.

Ownership category

akta.pro rank

Product category

Accounts Receivable Management Software

NAICS

Collection Agencies (561440)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Collections Technology, Dialing & Workflow Platforms (FSAKAJAI)

Keywords

• Accounts receivable automation
• AI-powered debt collection
• Order-to-cash software
• Payment optimization platform
• Dunning workflow management

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. SaaS Subscription: Annual or multi-year subscription model for access to the collect.AI platform, including AI assistants, workflow builder, communication channels, and payment processing. Pricing based on volume of claims processed and number of customers.

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

collectAI provides an AI-powered SaaS platform that automates and optimizes accounts receivable (Order-to-Cash) management for enterprises. The platform uses proprietary Smart Assistants (Smart Intent Recognition, Payment Probability, Smart Communication) and a drag-and-drop Workflow Builder to handle payment reminders, multi-channel dunning communications, payment probability predictions, and customer data enrichment. It serves industries including utilities, insurance, banking, housing, e-commerce, publishing, and telecommunications with pre-built ERP/CRM integrations (SAP, Salesforce, Powercloud).

Product overview

collect.AI is an AI-powered SaaS platform for automated receivables management (Order-to-Cash management) that serves companies with high volumes of recurring claims. The platform architecture consists of a core Order-to-Cash platform with integrated modules: Payment Solutions (supporting SEPA, credit cards, PayPal, Tink, Barzahlen), Whitelabel Solution, Workflow Builder (drag & drop), Data Enrichment AI, and Select & Pay. The AI layer includes three Smart Assistants: Smart Intent Recognition (NLP-based message classification), Payment Probability (predictive analytics), and Smart Communication (optimal channel/timing selection), plus Workflow Insights for analytics. Integration is enabled through the Integration Hub with REST-API, Enterprise-Konnektoren (SAP, Salesforce, Powercloud), and Custom-Built Integration options. The company has processed over €20 billion in receivables volume across 50+ customers since 2016, analyzing 260+ million processes with GDPR-compliant AI systems.

Differentiator

Problem solved

Functional benefit

Products and services

• collect.AI SaaS Platform AI-powered SaaS platform for automated receivables management that optimizes collection rates and costs while increasing customer satisfaction. The central platform integrates all features including payment solutions, workflow builder, communication channels, and AI smart assistants. Designed for enterprises with high volumes of recurring receivables.
• Integration Hub Central platform for managing all integration components including REST-API, Enterprise-Konnektoren, and Custom-Built integrations. Simplifies implementation and maintenance, provides consistent connector management, and reduces IT infrastructure complexity.
• Enterprise Connectors Standardized enterprise connectors for quick ERP/CRM integration including SAP, Salesforce, and Powercloud. Developed based on long-standing experience with ERP and CRM systems across various industries. Managed components with collect.AI handling implementation, customization, and maintenance.
• REST API Flexible API integration solution enabling real-time data exchange between customer applications and collect.AI platform. Supports DIY integration for companies with sufficient IT resources, standard HTTP protocols and JSON formats.
• Custom-Built Integrations Tailored integration solutions for specific requirements when standard solutions are insufficient. Includes dedicated project team for business and technical requirements definition and seamless implementation. Alternative ETL file transfer options available.
• Payment Solutions Comprehensive payment optimization module offering flexible payment methods including SEPA, credit cards, PayPal, Tink, and Barzahlen. Supports dynamic adjustment of payment options based on claim status and customer behavior to optimize payment rates and improve cash flow.
• Whitelabel Solution White-label solution enabling companies to maintain brand identity in customer communication. Allows text and design customization without programming knowledge and configuration of branded landing pages with diverse payment options.
• Select & Pay Digital payment solution for e-commerce that allows customers to pay only for products they wish to keep. Customers receive digital invoice, select items to pay for, and payment is processed only for selected products, simplifying returns and administration.

Quantifiable outcome

• 90%+ of all receivables settled before due date
• +5 more outcomes

Named customers19 records

Segments8 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability9 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core.

• DSC GmbHcoreTechnology or IntegrationStrategic partnership with DSC (Unternehmensberatung & Software GmbH) for joint development of SAP FI-CA connector specifically for energy sector clients. DSC provides SAP implementation expertise with 180+ employees, 2,500+ SAP projects, and 1,000+ product installations at 250+ customers including 200 energy providers. Partnership enables seamless integration of collect.AI SaaS into SAP environments.
• PowercloudcoreTechnology or IntegrationEnterprise connector partnership for seamless integration between Powercloud platform and collect.AI receivables management solution.
• SalesforcecoreTechnology or IntegrationPre-built enterprise connector enabling CRM data synchronization between Salesforce and collect.AI platform for unified customer data management.
• SAPcoreTechnology or IntegrationEnterprise connector ecosystem including SAP FI-CA connector for high-volume receivables processing in regulated industries. Bidirectional data flow for real-time synchronization.
• ePrivacy GmbHcoreImplementation/ SI/ Consulting PartnerExternal data protection officer Dr. Frank Eickmeier from ePrivacy provides independent data privacy consulting and compliance oversight. Ensures GDPR compliance and prepares for EU AI Act requirements.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Salesforce: CRM platform with which collect.AI integrates; Salesforce's broader business process automation and Einstein AI capabilities could overlap with collect.AI's Smart Assistants at the CRM layer.
• SAP: ERP platform whose SAP FI-CA contract accounting and dunning functionality is the substrate for which collect.AI builds; SAP's own potential move into AI-driven receivables management is the primary ecosystem risk.
• CRIF: Global credit bureau and information services group with credit management, collections, and receivables workflow offerings serving financial institutions and corporates across Europe.
• TietoEVRY: Large Nordic IT services and software vendor offering collections and credit management solutions for financial institutions, occupying a broader financial-services technology portfolio.

Direct peers

• Billie: Berlin B2B AR and payments platform automating invoicing and receivables for mid-market and enterprise, with a comparable SaaS-first distribution and DACH geographic center of gravity.
• Pair Finance: Berlin-based AI-driven debt collection platform using machine learning to optimize consumer debt recovery, targeting the same German enterprise and financial-services customer base as collect.AI.
• Acarda: Provider of collections and receivables workflow software for banks and financial institutions, competing for similar IT/procurement stakeholders as collect.AI's banking vertical.
• Riverty: Bertelsmann-owned AR and consumer finance services provider offering dunning and collections technology at enterprise scale across Europe, with comparable vertical focus in utilities, telecom, and e-commerce.
• EOS Group: One of Europe's largest debt collection operators with significant technology investments in AI-driven collections workflows, competing for the same regulated-industry buyer as collect.AI.

Emerging players

• InDebted: Australia-based AI-driven debt collection platform serving financial services and consumer credit providers globally, with overlapping predictive communication and channel optimization capabilities.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/collect-ai
• Xx.com/collectAI
• Facebookfacebook.com/collectAI

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about collectAI