Kleva is a voice AI debt collection platform that helps banks and lenders automate phone-based debt recovery at scale. The software uses conversational AI agents to conduct inbound and outbound collection calls, negotiate payment arrangements, and manage overdue accounts across multiple stages of delinquency. The platform is designed for financial institutions, credit unions, fintech lenders, and collection agencies. Kleva's AI agents handle credit card debt, personal loans, auto loans, mortgages, and commercial debt portfolios, engaging debtors through natural phone conversations that adapt in real-time based on responses, payment history, and behavioral signals. Kleva addresses several challenges in traditional debt collection operations. Human agent capacity is limited and expensive to scale, while maintaining consistent quality and compliance across thousands of daily interactions is difficult. The platform replaces or augments human agents with AI that can process thousands of concurrent calls without degradation in performance or compliance. The voice AI speaks natively in the debtor's local language, supporting Spanish, Portuguese, and English across 45+ regional dialects. Conversations sound natural rather than robotic, and the system understands slang, accents, and cultural context. When situations require human judgment or complex negotiation, the platform transfers calls to human agents with full conversation history and context. Key features and capabilities include: -Voice AI agents that conduct real-time phone negotiations, adapting tone and strategy based on debtor responses -No-code configuration tools for defining conversation scripts, payment plan parameters, escalation rules, and compliance requirements -Scalable infrastructure supporting 10 to 10,000+ concurrent calls without additional setup -Integration with CRMs, dialers, core banking systems, and payment gateways -Real-time analytics dashboards tracking recovery rates, call outcomes, and portfolio performance Kleva maintains 100% compliance with local collection regulations and logs all interactions for audit purposes. Teams can run A/B tests and simulations to compare strategies before full deployment. Implementation typically takes three weeks, including system integration, AI training on specific portfolios, and compliance verification.