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Arrears-AI: Preventing Arrears Before They Start
Arrears-AI takes an engagement-led approach to tenancy sustainment, focusing on support before enforcement. Using AI and predictive analytics, it identifies the residents who need help the most—enabling timely, targeted support. It helps maximise income by ensuring residents access the benefits they’re entitled to, while encouraging early engagement and signposting to support when financial pressures arise. By connecting through video, phone, or digital channels, landlords can build more meaningful conversations around payment arrangements. And with integration into wider welfare services—such as addiction support—Arrears-AI enables a more holistic, upstream approach that tackles root causes, not just arrears.
Income Maximisation
By understanding your customer data and identifying opportunities for income maximisation, AI co-workers can support proactive engagement outreach. This ensures residents are guided to access all the financial support and benefits they are entitled to, helping to improve household stability and tenancy sustainment.
Early Support & Intervention
Building on your “Make Every Contact Count” approach, enabled by the Collaboration Hub, safeguarding and tenancy sustainment issues can be identified and integrated with other lead indicators—such as fuel poverty insights from your IoT solutions—alongside traditional payment pattern data. This holistic view allows landlords to spot early risks, intervene proactively, and deliver targeted support where it’s needed most.
Engaging The Hard To Reach In Arrears
Arrears-AI blends digital, low-pressure contact with the option for video or phone conversations, all supported by AI agents. Residents can engage through their preferred channels—What's App, SMS, Telegram—allowing conversations about rent and support to happen in a way that feels safe and non-threatening, with the option to move to phone or video conference.
Reducing Income Officer Workload Via AI Automation.
Automating rent arrears collections with outbound SMS and WhatsApp, supported by AI agents, enables timely, low-pressure engagement with residents. Agents can send personalised reminders, provide guidance on payment options, and answer common queries, while escalating complex cases to staff with full context. This approach increases contact rates, encourages early resolution, and reduces administrative burden, allowing staff to focus on residents who need more personalised support.
The cost-of-living crisis, zero-hours contracts, unstable incomes, and rising household costs, building an arrears strategy solely on reactive payment patterns and credit balances is no longer enough. Arrears-AI enables a proactive & integrated data led approach, combining predictive analytics, early engagement, and income maximisation, allows landlords to identify households at risk, provide timely support, and sustain tenancies pro-actively.