Pillar
AI agents for finance: autonomous follow-up with human oversight
An AI agent for finance is software that carries out a financial process independently rather than just assisting you: it decides the next step, writes the communication, processes the reply and escalates when needed. This works particularly well in accounts receivable, because the process is repeatable and success is objectively measurable: was the invoice paid, yes or no? Credimigo's Recover agent runs a 14-day track independently, but always asks for human approval before escalating.
At a glance
- Recover track
- 14 days, fully automated
- Incoming replies
- Classified automatically
- Escalation
- Only after human approval
What the agent does independently
The agent runs the entire amicable process, taking language, tone, payment behaviour and previous replies into account.
- Decides the next action based on case status and time elapsed.
- Writes and sends messages in the debtor's language.
- Reads incoming replies and classifies them: payment, promise, dispute, query or unreachable.
- Logs payment promises and monitors whether they're kept.
- Stops immediately as soon as payment is made or a dispute is raised.
What the agent never does alone
Legal escalation, granting a discount or settlement, and sending messages on a case marked as disputed. Those steps go into a review queue with a plain-language explanation, so a human can decide in ten seconds.
Autonomous collections in practice
The value isn't in one clever letter — it's in consistency: the agent never forgets a follow-up, keeps working through holiday periods, and treats a EUR 400 invoice with the same care as a EUR 40,000 one.
Frequently asked questions
What is an AI agent in finance?
Software that independently carries out a financial process, prepares decisions, and only brings in a human for exceptions.
Is autonomous debt collection legally allowed?
Yes, provided the communication is accurate and formal steps meet statutory requirements. That's why Credimigo always requires a human to confirm escalation.
What happens if the debtor reacts angrily?
The reply is classified as a complaint or dispute, the process pauses, and the case moves to the review queue.
Can I override the agent?
Always. You can skip steps, edit the text, pause the process, or jump straight to Recover or escalation.
Analyse your first invoice for free
Upload an outstanding invoice (PDF, PNG or JPG). Credimigo reads it, gives you a Recovery Score and prepares a correct final reminder in your customer's language, ready to send. Your first reminder is free.
Analyse an invoice free