Intelligent Customer Engagement & Automation

Turn Customer Data Into Intelligent Action.

Kaya AI connects your collections, billing, CRM and payment systems to automate customer communication, workflows, payments and engagement — from one intelligent platform.

Connect your existing systems. Automate your workflows. Improve customer engagement.

Kaya AI
Automation Overview
Active Automations
24
Customers Engaged
8,429
Messages Delivered
96.8%
Payments Generated
R1.24M

Automation

Agent Follow-Up Reminder

ACTIVE

Trigger

No agent contact for 7 days

Action

Send personalised SMS

Conditions

  • Outstanding balance
  • Account active
  • No active promise to pay

Execution path

  1. SmartKollect
  2. Kaya AI
  3. Automation Rule
  4. SMS / WhatsApp / Email
  5. Customer

Integrations

Connect the systems you already use.

Kaya AI sits between your existing systems and your customers — without replacing the platforms your teams already rely on.

  • SmartKollectDebt collection system
  • Billing SystemsMunicipal & utility billing
  • CRM / ERPCustomer & finance records
  • Payment GatewaysCards, EFT & vouchers
  • SMS ProvidersBulk & transactional SMS
  • WhatsAppBusiness messaging
  • EmailTransactional delivery
  • External APIsREST & webhook endpoints

Connect · Automate · Engage

Your customer data already knows what needs to happen next.

The challenge is turning that data into action at the right time.

  1. Connect

    Unified Customer Data

    Bring together account, balance, payment, communication and collection information from multiple systems.

    • Customer profiles
    • Account balances
    • Payment history
    • Agent activity
    • Communication history
  2. Automate

    Rule-Based Workflows

    Automatically respond when important events or conditions occur.

    • Payment overdue
    • No agent follow-up
    • Broken promise to pay
    • Payment received
    • Escalation required
  3. Engage

    Omnichannel Communication

    Reach customers using the right channel at the right time.

    • SMS
    • WhatsApp
    • Email
    • Voice
    • Web Chat
    • Notifications

Automation Builder

Collections that keep moving — even when your team is busy.

Kaya AI monitors account activity continuously and can take action automatically when predefined conditions are met.

Agent Follow-Up RecoveryWorkflow · v3
Draft savedLive
TriggerNo Agent Follow-Up
7 Days

Runs continuously against active accounts in SmartKollect.

Check ConditionsAll conditions must match
5 rules
  • Outstanding Balance > R0
  • Account = Active
  • No Recent Payment
  • No Active Promise To Pay
  • Valid Mobile Number
ActionSend Personalised Payment Reminder
SMSWhatsAppEmail
WaitPause before re-evaluating
3 Days
CheckPayment Received?
Yes
  • Stop Workflow
  • Send Confirmation
  • Update Activity
No
  • Create Agent Task
  • Escalate if Required

Platform Capabilities

One platform. Every customer interaction.

Each capability works on its own — and works harder together, sharing the same customer data, rules and audit trail.

  • 360° Customer View

    See balances, payments, communication history, agent activity and account information in one place.

  • Smart Campaigns

    Build targeted campaigns using account balance, ageing, payment behaviour, risk and other customer data.

  • Workflow Automation

    Create triggers, conditions, actions, delays and escalations without rebuilding your collection processes.

  • Omnichannel Communication

    Coordinate SMS, WhatsApp, email, voice and digital conversations from one platform.

  • Payments

    Send secure payment links, track payments and automatically update customer workflows.

  • AI Assistance

    Use AI to understand customer intent, answer questions, summarise histories and assist agents.

  • Tasks & Escalations

    Automatically create tasks and escalate overdue actions to agents and team leaders.

  • Analytics & Reporting

    Track communication performance, collection performance, customer engagement and workflow outcomes.

360° Customer View

Every interaction. One customer view.

Give authorised teams a complete view of each customer's account, payments, communication history, workflow activity and collection status.

  • Account, balance and arrears ageing in a single header
  • Every message, call and automated action on one timeline
  • Workflow status and assigned agent visible to authorised teams
JD
John DoeAccount 10023456
In Workflow
Outstanding Balance
R7,850.00
Arrears Age
90+ Days
Risk
HIGH
Assigned Agent
Sarah N.
Last Contact
9 days ago
Last Payment
R500.00

Communication timeline

  1. 10 AugAutomated payment reminderDelivered
  2. 04 AugSMS deliveredReminder 2 of 3
  3. 01 AugAgent contacted customerSarah N. · 4 min call
  4. 29 JulCallback requestedCustomer request
  5. 14 JulPayment receivedR500
Send MessageCreate TaskPayment Link
Kaya

Governed Intelligence

AI that assists. Rules that stay in control.

Kaya AI combines deterministic workflow automation with AI assistance so businesses can automate confidently while keeping important financial and operational decisions governed by business rules.

Smart Automation

Deterministic execution your risk, finance and compliance teams can sign off on.

  • Business-rule driven
  • Auditable
  • Predictable
  • Configurable
  • Controlled

AI Assistance

Language understanding that supports customers and agents inside those rules.

  • Understand customer intent
  • Explain account information
  • Summarise interaction history
  • Draft personalised responses
  • Assist collection agents
  • Escalate complex conversations
Customer conversationAI Assistant

Why is my account still overdue?

Your current outstanding balance is R7,850. I can help you review your recent payments or provide available payment options.

View PaymentsPayment OptionsSpeak to Agent

Illustrative conversation. Financial actions remain governed by configured business rules.

Analytics & Reporting

See what's working. Improve what isn't.

Track engagement, channel delivery, campaign response and payment conversion across every portfolio you manage.

Portfolio PerformanceLast 7 months · All channels
Product preview · demonstration data
Total Outstanding
R128.4M

Across all portfolios

Collected This Month
R7.8M

+6.2% vs last month

Customers Engaged
34,782

Unique contacts

Delivery Rate
96.8%

All channels

Payment Conversion
14.8%

Reminder to payment

Overdue Follow-Ups
3,718

Awaiting agent action

Collections Over Time

Value collected per month (R millions)

+14.7%
R3.0MR5.5MR8.0MFebMarAprMayJunJulAug
Fictional demonstration data shown for product preview purposes.

Campaign Performance

  • 90+ Day Arrears82%
  • Final Demand64%
  • Promise Reminder47%
  • Municipal Rates38%

Channel Performance

  • SMS96.8%
  • WhatsApp92.4%
  • Email88.1%
  • Voice61.5%

Payment Conversions

  1. Reminders sent48,120
  2. Payment links opened19,466
  3. Payments completed7,124

Key Value Delivered

Built to improve the entire collections journey.

From first reminder to settled account — the value compounds across every stage of engagement.

  • Improved Customer Engagement

    Consistent, personalised contact across the channels your customers already use every day.

  • Higher Collections & Faster Payments

    Reminders, payment links and follow-ups reach customers while the account is still recoverable.

  • Reduced Call Centre Workload

    Routine reminders, status questions and confirmations are handled without agent effort.

  • Better Customer Experience

    Clear balances, self-service options and fewer repeat conversations for every customer.

  • Real-Time Insights & Reporting

    Live visibility of engagement, workflow outcomes and collection performance by portfolio.

  • Compliance & Audit Readiness

    Every message, decision and workflow step is recorded and traceable for internal review.

Security & Governance

Enterprise control at every step.

Security, governance and accountability are built across the Kaya AI platform.

  • Role-Based Access Control

    Permissions scoped by role, team and portfolio.

  • Audit Trails & Logs

    Every action and automated decision is recorded.

  • Data Encryption

    Encryption applied in transit and at rest.

  • Security & Compliance

    Configurable controls to support internal policy.

  • System Monitoring

    Continuous checks across platform services.

  • Backup & Recovery

    Scheduled backups with documented restore paths.

  • Performance Monitoring

    Throughput and latency tracked per workload.

  • Integration Monitoring

    Connection health and retry visibility per system.

Controls are configurable to support your organisation's own security, retention and governance policies. Specific certification requirements are reviewed per deployment.

Turn your collections data into action.

Connect your existing systems and give your organisation the intelligence to engage customers, automate workflows and accelerate payments.

  1. Data
  2. Intelligence
  3. Automation
  4. Engagement
  5. Payment