Case Study: a BNPL provider achieves real-time scalable collections with InDebted

InDebted’s real time scalability with leading BNPL provider

InDebted partnered with a global buy now, pay later (BNPL) provider that serves over 20 million customers. The client's challenge was that traditional, headcount-reliant collections agencies could not scale in real time to handle large, sudden increases in overdue accounts. This inability to flex with demand forced the BNPL provider to either use multiple suppliers or pause its collections activity entirely, impacting recovery rates and customer support.

The solution was InDebted's digital-first collections ecosystem, which automatically onboards and engages customers in real time through intuitive, self-serve channels. This approach eliminated manual processes and enabled the system to scale instantly. The results were significant; between December 2022 and February 2023, account volumes referred to InDebted increased by over 200%, handling an all-time high of 120,000 accounts in a single month. The measurable impact included high customer satisfaction, with one user praising the supportive and empowering experience that made them feel in control of their finances.