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Stay Ahead of Rising Delinquencies

with IVR, text, and email borrower communication strategies

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SWBC has partnered with FICO® to provide innovative and intelligent communication services to engage borrowers who are past due on their account payments. Configured to meet your collections needs, our solution enables efficient and effective two-way communication with borrowers using interactive voice response (IVR), text, and email.


This cloud-based solution allows borrowers to resolve payment issues and enter promises to pay—all on their preferred channel, with the option to speak to a live agent—the best of all worlds!

Automated Best Practice Strategies

Our best practice strategies are hand tailored to your borrowers’ risk, behavior, and outstanding balances — automating communications during days and times they are most likely to be receptive. You can create consumer contact strategies using one, two, or all three channels.

Convenient, Self-Service Options

Offer consumers the ability to interact with you and make a payment on their account 24/7 via several payment options.

Boost Business Efficiencies

By intelligently automating routine communications, your collections agents can focus their time and effort on higher risk and more complex accounts.

Build Loyalty and Trust with Borrowers

Our omnichannel solution works with your borrowers to auto-resolve issues in an efficient, courteous, and compliant manner—creating a positive experience that builds confidence, trust, and loyalty.

Integration and Flexibility

Intelligent omnichannel communication easily integrates with SWBC’s outsourced collections service and payments tool—allowing you to quickly launch a risk-based collections solution to meet your financial institution’s needs while increasing real-time payments and promises to pay.

Built to Drive Fast Results

SWBC’s omnichannel solution comes with pre-configured decision flows, rules, and scripts that leverage FICO’s 60 plus years of analytics expertise and SWBC’s unparalleled experience, knowledge, and success managing outsourced collections operations.

Let's chat to find out how we can work together to enhance your digital journey.

Submit the form below, and one of our representatives will contact you to better understand your internal challenges. The goal of this meeting is to help recommend new collections strategies that fit your institution’s needs. We will aim to provide resources and solutions that will reduce costs, increase efficiencies, enhance your member and staff experience, and have a positive financial impact to your bottom line.