Webio started when a small band of pioneering friends/colleagues saw a bright future in using conversational AI for customer engagement. Their intuition was spot on, and today Webio is innovating and delivering success in the credit, collections and payments industry. The Webio team is spread across Ireland, the UK and Europe, and is continually growing as fresh talent joins the company. Webio orchestrates conversational customer engagement, at scale and across multiple digital messaging channels. The platform uses Natural Language Processing and AI chatbots to automate the debt collection and payment process. With the digital assistants dealing with well over half the customer conversations, a company can do more collections with fewer resources, and operate more efficiently at a reduced cost. A blended approach is used and live agents take over where needed. Webio knows that empathy is the key to successful customer interactions and uses the AI-driven Propensity Studio to recognise a vulnerable customer's state, context and intent, and guides the conversation accordingly to a favourable end.