IMPACT 3.0 | The Unified AI Collections Ecosystem
Complete Ecosystem - Modules & Features
IMPACT 3.0 | The Unified AI Collections Ecosystem
Complete Ecosystem - Modules & Features
Core Platform Systems
IMPACT | COLLECTIONS
Debt Recovery System
Unified collections platform powered by Agentic AI, built for compliance, and designed for omnichannel engagement. Everything you need to get started.
IMPACT | LEGAL
Legal Case Management System
Comprehensive legal case management with advanced workflow automation, court requirements tracking, and full party management capabilities.
IMPACT | PORTFOLIO
Portfolio Management System
For Debt Buyers - With AI-Powered Analytics. Track ROI, IRR, manage repurchase/recourse timelines, and optimize portfolio performance.
IMPACT | TAX
Tax Management & Collections System
A unified enterprise tax management & collections system that automates processing, billing, payments, collections, and case management for taxing authorities.
AI & Intelligence Suite
IMPACT | AI Copilot
COLLECTOR IQ⁺
Embedded Agentic AI Copilot for collectors—chat interface that analyzes, advises, & autonomously takes over the agent's screen to perform actions. Real-time collector assist with compliance checks.
IMPACT | AI Voice Intelligence
TALK IQ⁺
Built-in real-time AI call intelligence—listens to live calls, transcribes, analyzes sentiment, tracks compliance & delivers live dynamic AI coaching to the agent.
IMPACT | AI Management Assistants
IMPACT IQ⁺
Customizable AI Agents for management—create a team of specialized AI Agents to have your own set of Experts & Advisors all through a chat-based interface. Conversational reporting & analytics.
IMPACT | AI Intelligent Voice Agents
IVAN & AVA
IVAN handles calls, inquiries, arrangements, payments & more—while AVA is a concierge-style AI client services rep, greeting clients by name.
Digital Engagement & Payments Suite
IMPACT | TEXT & EMAIL
Digital Messaging Suite
Leading mass outbound digital SMS & MMS + Email messaging platform custom-built for fast, scalable instant outreach with highest levels of risk mitigation & compliance.
IMPACT | PAY PORTAL
Client & Consumer Portals
Self-service portals for debtors & clients—for debtor payments, negotiations, and client reporting with real-time data access and analytics.
IMPACT | IVAN
AI Intelligent Voice Agent
Meet IVAN, it is our Interactive Voice AI-powered Smart Collector that negotiates, answers questions, sets up payment arrangements and processes payments with precision and compliance.
Cloud Call Center Suite
IMPACT | DIALER
Predictive Dialer System
Advanced predictive dialer with Agent Call Initiator (ACI) click-to-dial technology. Supports inbound/outbound campaigns, compliance monitoring, and real-time call analytics.
IMPACT | AI IVR
Intelligent Voice Response
AI-powered interactive voice response system with natural language processing, smart routing, self-service automation, and seamless integration with live agents.
IMPACT | PBX
Cloud Phone System
Enterprise-grade cloud PBX with call routing, queue management, call recording, monitoring, and comprehensive telephony features for modern contact centers.
Telco Services
IMPACT | Telco
Integrated Telecommunications Backbone
Delivers carrier-grade voice routing and number management seamlessly within IMPACT.
- DialDirect – Direct Inbound Dial Numbers
- TollFree – Toll-free Numbers
- LocalTouch – Local presence DID number - touch buckets
- Forwards – Customer Carrier channels / number forwarding
- CNAM – Caller name branding / identity integrity
IMPACT | Number Verification
Phone Data Intelligence & Compliance
Validates numbers, verifies caller reputation, and ensures full compliance.
- DNC – Do Not Call & spam cleansing
- CellCleanse – Mobile number type validation
- Disconnect – Scrub disconnected numbers
IMPACT | Voice Outreach Services
Automated Voice Contact & Engagement
Includes:
- TTS – Text-to-Speech for automated voice interactions
- RVM – Ringless Voicemail Drops
Client Services Suite
IMPACT | CLIENT PORTAL
Client Management Portal
Comprehensive client portal providing real-time access to account data, reporting, analytics, and portfolio management tools for seamless client collaboration.
IMPACT | AVA
AI Client Services Voice Agent
Meet AVA, she is our intelligent AI client services agent delivering a concierge-level experience, managing tasks seamlessly and professionally.
Clouds
IMPACT | CSS Cloud
Private Cloud Infrastructure
A PCI Level 1 certified private cloud hosted in globally certified Tier 3+ data centers with ISO 27001, NIST, HITRUST, and SOC 1 & 2 compliance.
IMPACT | AWS Cloud
Enterprise Cloud Environment
A PCI Level 1 certified enterprise environment backed by AWS with ISO 9001, ISO 27017, SOC 1 & 2, and NIST security frameworks.
IMPACT | AWS GovCloud
Government-Grade Cloud
A PCI Level 1 certified, government-grade cloud with FedRAMP, FISMA, HIPAA, and CJIS compliance for sensitive and regulated data operations.
Cloud Infrastructure & Security Features
| Feature | CSS Cloud | AWS Cloud | AWS GovCloud |
|---|---|---|---|
| Tier 3+ Data Center Infrastructure | ✓ | ✓ | ✓ |
| PCI DSS Level 1 Certified Environment | ✓ | ✓ | ✓ |
| ISO 27001 / SOC 1 & 2 / NIST Certified (Data Center) | ✓ | ✓ | ✓ |
| Geo-Redundant Hosting (East & West U.S.) | ✓ | ✓ | ✓ |
| Encrypted Storage (Database & Media Layers) | ✓ | ✓ | ✓ |
| Data Replication & Failover Protection | ✓ | ✓ | ✓ |
| 24/7 Monitoring & Managed Operations | ✓ | ✓ | ✓ |
| Managed by CSS IMPACT Engineers | ✓ | Optional | – |
| Government-Grade Compliance (FedRAMP, FISMA, CJIS, HIPAA) | – | – | ✓ |
IMPACT Cloud Intelligence Stack
🔵 Advanced Dialing Modes
- AI-optimized predictive dialing
- Preview mode risk scoring
- Manual/ACI compliance validation
- Progressive abandon rate control
- Blended intelligent queue management
- Callback timezone optimization
- Multi-campaign parallel execution
🤖 AI-Powered Automation
- Screen automation agentic functions
- Real-time compliance coaching
- Emotion detection stress monitoring
- Predictive next-best-action recommendations
- Automated CRM note-taking
- Voice analytics quality scoring
- Dynamic script optimization
🔒 Security & Compliance
- STIR/SHAKEN A-level attestation
- PCI DSS Level 1
- Real-time DNC/TCPA validation
- GDPR/CCPA privacy controls
- Zero-trust network architecture
- End-to-end call encryption
- Immutable blockchain audit trails
⚙️ No-Code Workflow Tools
- Drag-and-drop IVR designer
- Visual agent script builder
- Campaign workflow automation
- Real-time A/B testing
- Custom form field builders
- API integration marketplace
- Webhook-driven event processing
💬 Omnichannel Platform
- SMS/MMS delivery optimization
- Email campaigns tracking analytics
- Live chat co-browse
- Ringless voicemail local numbers
- Secure payment portal
- Voice digital engagement tracking
- Unified customer journey orchestration
☁️ Cloud Infrastructure
- Multi-cloud deployment AWS/Azure/GCP
- Kubernetes-native auto-scaling
- Global CDN edge computing
- Disaster recovery sub-4h RTO
- Blue-green deployment pipeline
- Container security scanning
- Cost optimization reserved instances
| SOLUTIONS | PLATFORMS | AI INTELLIGENCE | DIGITAL CONTACTS | CALL CENTER | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL |
AI ASSIST |
AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO | |
| ACCOUNT & DEMOGRAPHICS LINKING | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Account Link List Utility | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Account Match List Utility | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Demographics Group Linking Rules Engine | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| ACCOUNT ONBOARDING | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Acknowledgement Generation | ✓ | ✓ | ✓ | ✓ | |||||||||
| EDI & ETL "Import Mapping Designer" Utility | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| EDI & ETL "Import Mapping Translation" Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| EDI & ETL Tool - Import & Export Workflow Manager | ✓ | ✓ | ✓ | ✓ | |||||||||
| EDI & ETL Tool Interface Design Studio | ✓ | ✓ | ✓ | ✓ | |||||||||
| Electronic Business Data Load Module (CSV) | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Manual Business Data Entry Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| ACCOUNTING SUBSYSTEM | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Account Payoffs & Settlements Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Assessments & Bereavement Rules Engine | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Automatic Transaction Posting Sequence | ✓ | ✓ | ✓ | ✓ | |||||||||
| Checks & Statements Archives | ✓ | ✓ | ✓ | ✓ | |||||||||
| Checks & Statements Generation Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| EDI & ETL Tool - Accounting Interface Designer | ✓ | ✓ | ✓ | ✓ | |||||||||
| Electronic Account Payment Loads Module (CSV) | ✓ | ✓ | ✓ | ✓ | |||||||||
| Electronic Client Payment Loads Module (CSV) | ✓ | ✓ | ✓ | ✓ | |||||||||
| Financial Action & Processing Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| General Ledger Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| GL / Accounting Client Interface Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Granular Transaction Code Postings | ✓ | ✓ | ✓ | ✓ | |||||||||
| Interest Calculator Module | ✓ | ✓ | ✓ | ||||||||||
| Manual Account Payment Module | ✓ | ✓ | ✓ | ||||||||||
| Manual Client Payment Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Method of Payments Code Tracking | ✓ | ✓ | ✓ | ✓ | |||||||||
| Multiple Financial Buckets Tracking | ✓ | ✓ | ✓ | ||||||||||
| Overpayment Processing | ✓ | ✓ | ✓ | ✓ | |||||||||
| Payment Processor Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Refund Processing | ✓ | ✓ | ✓ | ✓ | |||||||||
| Refunds Review & Approvals Module | ✓ | ✓ | ✓ | ||||||||||
| Refunds Rules Engine | ✓ | ✓ | ✓ | ||||||||||
| Remittance Invoicing Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Remittance Payment Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Statements & Invoicing Rules Engine | ✓ | ✓ | ✓ | ||||||||||
| Transactional Exports for Quickbooks | ✓ | ✓ | ✓ | ✓ | |||||||||
| Unposted Summary/Detailed reports | ✓ | ✓ | ✓ | ✓ | |||||||||
| AGENT CX (COMMUNICATIONS EXPERIENCE) | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Agent Click-to-Dial Interface | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Auxiliary Phone Utility | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Dial Pad Manual Dial | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Dial Pad Outbound/Inbound Campaign | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| AGENT SCREEN UI DESIGNER STUDIO | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Add custom fields per section | ✓ | ✓ | ✓ | ✓ | |||||||||
| Add new custom tabs | ✓ | ✓ | ✓ | ✓ | |||||||||
| Add new sidebar components | ✓ | ✓ | ✓ | ✓ | |||||||||
| Add new submenu entries | ✓ | ✓ | ✓ | ✓ | |||||||||
| Apply templates across system levels | ✓ | ✓ | ✓ | ✓ | |||||||||
| Auto-populate submenu items | ✓ | ✓ | ✓ | ✓ | |||||||||
| Bulk enable related subsections | ✓ | ✓ | ✓ | ✓ | |||||||||
| Configure by account type | ✓ | ✓ | ✓ | ✓ | |||||||||
| Control by security level | ✓ | ✓ | ✓ | ✓ | |||||||||
| Customize templates by status | ✓ | ✓ | ✓ | ✓ | |||||||||
| Display multiple section views | ✓ | ✓ | ✓ | ✓ | |||||||||
| Drag and resize sections | ✓ | ✓ | ✓ | ✓ | |||||||||
| Drag to reorder components | ✓ | ✓ | ✓ | ✓ | |||||||||
| Drag to reorder field order | ✓ | ✓ | ✓ | ✓ | |||||||||
| Edit and rename field labels | ✓ | ✓ | ✓ | ✓ | |||||||||
| Edit submenu content areas | ✓ | ✓ | ✓ | ✓ | |||||||||
| Ensure consistent user experience | ✓ | ✓ | ✓ | ✓ | |||||||||
| Expand sections to view subsections | ✓ | ✓ | ✓ | ✓ | |||||||||
| Expand to view submenu list | ✓ | ✓ | ✓ | ✓ | |||||||||
| Hide or show custom tabs | ✓ | ✓ | ✓ | ✓ | |||||||||
| Linked toggles for nested items | ✓ | ✓ | ✓ | ✓ | |||||||||
| Move sections across layout | ✓ | ✓ | ✓ | ✓ | |||||||||
| Rename custom tab titles | ✓ | ✓ | ✓ | ✓ | |||||||||
| Rename sidebar sections easily | ✓ | ✓ | ✓ | ✓ | |||||||||
| Resize and rearrange fields | ✓ | ✓ | ✓ | ✓ | |||||||||
| Resize sections dynamically | ✓ | ✓ | ✓ | ✓ | |||||||||
| Set global system defaults | ✓ | ✓ | ✓ | ✓ | |||||||||
| Standardize layouts organization-wide | ✓ | ✓ | ✓ | ✓ | |||||||||
| Tailor by client or company | ✓ | ✓ | ✓ | ✓ | |||||||||
| Toggle components on or off | ✓ | ✓ | ✓ | ✓ | |||||||||
| Toggle field visibility on/off | ✓ | ✓ | ✓ | ✓ | |||||||||
| Toggle right sidebar visibility | ✓ | ✓ | ✓ | ✓ | |||||||||
| AI AUTOMATION (IMPACT IQ+) | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| AI Assistant - Intelligent Suggestions & Automation | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| AI-driven compliance logic decisioning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| AI-powered reporting engine for custom reports | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Analyzes system data for brainstorming | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Auditor - AI Call Analysis | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Consolidates data using natural language prompts | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Conversational queries for financial data | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Detects legal risks and litigious communications | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Instant data visualizations | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Integration with ecosystem data warehouse | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Role-play scenarios and forecasting | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Sentiment Analysis - Emotion Assessment tracking | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Targets high-value accounts | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Word Spotting - Keyword Detection | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| AI COPILOT - COLLECTOR IQ+ | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Agentic AI for collectors | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| AI Adaptive De-escalation | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| AI instant chat-based conversations | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| AI managed demographics assets | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| AI-driven debtor profiling | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| Annotates, calculates, updates status | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Answers compliance questions | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Auto-creates notes and follow-ups | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Auto-generates payment arrangements | ✓ | ✓ | ✓ | ✓ | |||||||||
| Auto-navigates system interfaces | ✓ | ✓ | ✓ | ✓ | |||||||||
| Automates on-screen actions | ✓ | ✓ | ✓ | ✓ | |||||||||
| Automates workflow for collectors | ✓ | ✓ | ✓ | ✓ | |||||||||
| Constructs emails, texts, letters | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Displays approvals before execution | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||
| Drafts compliant emails or texts | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| Enhances collector decision-making | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Executes actions based on context | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| Executes real-time workflows | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Generates charts and calculations | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Handles multi-step account tasks | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Intelligent Call Deflection | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Invokes speed and compliance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Multilingual translation capabilities | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| On-Demand AI Translation | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Personalized Negotiation Tactics | ✓ | ✓ | ✓ | ✓ | |||||||||
| Processes payments autonomously | ✓ | ✓ | ✓ | ✓ | |||||||||
| Provides precise, actionable advice | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Quickly finds critical data | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Suggests next-best actions | ✓ | ✓ | ✓ | ✓ | |||||||||
| Summary and detailed account reports | ✓ | ✓ | ✓ | ✓ | |||||||||
| Triggers workflows by context | ✓ | ✓ | ✓ | ✓ | |||||||||
| Understands agent intent instantly | ✓ | ✓ | ✓ | ✓ | |||||||||
| Updates fields and annotations | ✓ | ✓ | ✓ | ✓ | |||||||||
| BANKING & LOANS | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Client, Portfolio, Legal levels Financial Actions Utility | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Federal Poverty Guideline Workflow Audits | ✓ | ✓ | ✓ | ✓ | |||||||||
| Financial Arrangement Compliance Controls Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Financial Arrangement Event Controller Alerts | ✓ | ✓ | ✓ | ✓ | |||||||||
| Financial Arrangement Strategy on Demand Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| GL / Transaction Client Master Interface Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Interest Calculator | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Loan Calculator & Amortization Module | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Loan Payment Arrangement Rules Module | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Loan Servicing Payment Arrangement Module Utility | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Payment Delinquency Counter UDG Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| BANKRUPTCY | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Account Bankruptcy Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Bankruptcy User Data Grids Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Bankruptcy Workflow Decisioning Utility | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| COMPLIANCE MANAGEMENT SYSTEM | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| AGENT LEVEL: | |||||||||||||
| Account Level Compliance Enforcement Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||
| Agent Level Compliance Enforcement Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Compliance Alert Messaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||
| Dialer Compliance Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| State Compliance Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| CLIENT LEVEL: | |||||||||||||
| Business Data Compliance on Demand Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Client Covenants Compliance on Demand Workflow Manager | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| COMPLIANCE TRACKING: | |||||||||||||
| CFPB Guidelines Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Compliment Tracker Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Consumer Complaints Tracker Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Corrective Action Tracker Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Disaster Recovery IMS Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| ECOA Guideline Modules | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| FDCPA PART I Guideline Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| FDCPA PART II Guideline Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| FDCPA PART III Guideline Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| GLBA Guideline Modules | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Litigation Modules | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Phone Audit Logs Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Training Audit Logs Module | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| CONTACTS MANAGEMENT (VOICE & DIGITAL LEVEL): | |||||||||||||
| Account Level Compliance Enforcement Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Agent Level Compliance Enforcement Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Dialer Compliance Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Reg F Compliance Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| State Compliance Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| DUNNING LEVEL: | |||||||||||||
| Dunning Compliance Enforcement Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| Letter on Demand Compliance Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| FINANCIAL LEVEL: | |||||||||||||
| Financial Arrangement Compliance Enforcement Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Financial Data Compliance Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Financial Processing Compliance Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| LEGAL LEVEL: | |||||||||||||
| Court Requirements Point-in-Time Legal Actions | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Legal Actions Compliance on Demand System | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Legal Case Management Compliance on Demand | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| PORTFOLIO LEVEL: | |||||||||||||
| EDI Compliance Rules Engine Module | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Portfolio Covenants Compliance Workflow | ✓ | ✓ | ✓ | ✓ | |||||||||
| STATE & FEDERAL LEVEL: | |||||||||||||
| State & Federal Workflow Compliance Decisioning Engine | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| State Compliance on Demand Workflow Manager | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| DIALER | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| "Phone Book" | ✓ | ✓ | ✓ | ||||||||||
| ACD & Skill-Based Routing | ✓ | ✓ | ✓ | ||||||||||
| ACD Last Call | ✓ | ✓ | ✓ | ||||||||||
| ACD roll-over to other ACD/MCG/VoiceMail | ✓ | ✓ | ✓ | ||||||||||
| ACI (Agent Call Initiator) for Mobile Calls (TCPA Compliance) | ✓ | ✓ | ✓ | ✓ | |||||||||
| Active Directory Integration | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Agent Call History | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| AI AGENT Voice Bot (Outbound Dialer Virtual AI Bot) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| ANI Routing | ✓ | ✓ | ✓ | ||||||||||
| API | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Call chains and/or IVR | ✓ | ✓ | ✓ | ||||||||||
| Call Forward/DND Override | ✓ | ✓ | ✓ | ||||||||||
| Call notes transferred w/ call | ✓ | ✓ | ✓ | ||||||||||
| Call Progress Stage Strategy Campaign | ✓ | ✓ | ✓ | ✓ | |||||||||
| Call Recording Extractor Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Auto-pause recording during CDE or Financial communications | ✓ | ✓ | ✓ | ||||||||||
| Call Recording Search & Downloading Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Cell Phone Scrubber | ✓ | ✓ | ✓ | ✓ | |||||||||
| Centralized call management interface | ✓ | ✓ | ✓ | ||||||||||
| Click to Dial | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Cold transfer without pre-connection | ✓ | ✓ | ✓ | ||||||||||
| CRM Integration | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Dialer Dispositions are Updated in Real-Time | ✓ | ✓ | ✓ | ✓ | |||||||||
| Disconnect line (hold) to regain dial tone | ✓ | ✓ | ✓ | ||||||||||
| Dynamic ANI Display | ✓ | ✓ | ✓ | ||||||||||
| Enforce state and compliance scripts | ✓ | ✓ | ✓ | ||||||||||
| Flexible routing (day/night/holiday routines) | ✓ | ✓ | ✓ | ||||||||||
| History of calls | ✓ | ✓ | ✓ | ||||||||||
| Hold music | ✓ | ✓ | ✓ | ||||||||||
| Hold reminder | ✓ | ✓ | ✓ | ||||||||||
| Holiday Schedules | ✓ | ✓ | ✓ | ||||||||||
| Host multi-party conference calls | ✓ | ✓ | ✓ | ||||||||||
| In-Frame Script Launcher | ✓ | ✓ | ✓ | ✓ | |||||||||
| Inbound Queue Cherry Picker | ✓ | ✓ | ✓ | ✓ | |||||||||
| IVR Scripting & Text-to-Speech | ✓ | ✓ | ✓ | ||||||||||
| Keyword Spotting Script Rebuttal Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Least cost routing (if multiple carriers available) | ✓ | ✓ | ✓ | ||||||||||
| Manage alternate email addresses | ✓ | ✓ | ✓ | ||||||||||
| Manage auxiliary phone numbers | ✓ | ✓ | ✓ | ||||||||||
| Management-Driven Mobile Collector Queues | ✓ | ✓ | ✓ | ✓ | |||||||||
| Message indicators | ✓ | ✓ | ✓ | ||||||||||
| Multi-Call Handling | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Outbound call flow controls | ✓ | ✓ | ✓ | ||||||||||
| Park and manage live calls | ✓ | ✓ | ✓ | ||||||||||
| PCI Compliant Stop-Start Voice Call Recordings | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Phone Contact History | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Power Dialing | ✓ | ✓ | ✓ | ✓ | |||||||||
| Predictive Inbound/Outbound Dialer | ✓ | ✓ | ✓ | ✓ | |||||||||
| Programmable buttons (speed dial, call transfer) | ✓ | ✓ | ✓ | ||||||||||
| QR Code Dialing | ✓ | ✓ | ✓ | ✓ | |||||||||
| Real-Time Recordings Account Attachments Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Real-Time Voice-to-Text Transcription | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Redial | ✓ | ✓ | ✓ | ||||||||||
| Route incoming to ACD | ✓ | ✓ | ✓ | ||||||||||
| Send SMS or email directly | ✓ | ✓ | ✓ | ||||||||||
| Station Hunting (serial, circular, distributed, camp) | ✓ | ✓ | ✓ | ||||||||||
| Supports "handset" style telephones | ✓ | ✓ | ✓ | ||||||||||
| Text-to-Speech (TTS) | ✓ | ✓ | ✓ | ||||||||||
| Third-Party Verification Hot Button | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Transfer calls (on-system or off-system) | ✓ | ✓ | ✓ | ||||||||||
| View/Manage Status and co-worker availability | ✓ | ✓ | ✓ | ||||||||||
| Visual Workflow Campaigns | ✓ | ✓ | ✓ | ✓ | |||||||||
| Voice Mail Module | ✓ | ✓ | ✓ | ||||||||||
| Voicemail | ✓ | ✓ | ✓ | ||||||||||
| Warm transfer with introduction | ✓ | ✓ | ✓ | ||||||||||
| Web Link Call Dialing | ✓ | ✓ | ✓ | ✓ | |||||||||
| Web Link Payment Processing | ✓ | ✓ | ✓ | ✓ | |||||||||
| Web Phone | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| IVAN | INTERACTIVE SMART AI COLLECTOR | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| AI INTERACTION & AUTOMATION: | |||||||||||||
| Customizable scripts and conversational prompts | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Dynamic, context-aware conversation flow | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| Fluent in over 50 languages | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Intelligent inbound call handling | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Natural language understanding and responses | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| Outbound campaigns with auto follow-ups | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Real-time decisioning during interactions | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| AVA | AI CLIENT SERVICES REPRESENTATIVE: | |||||||||||||
| Answers account and billing inquiries | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Captures consent and disclosure logs | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Delivers 24/7 personalized support | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Ensures compliant client communication | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Fluent in over 50 languages (AVA) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Greets clients by name | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Handles full client service tasks | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Operates with human-like dialogue flow | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| Performs right-party verification seamlessly | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Processes requests and escalations | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Recognizes returning callers instantly | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Updates client data in real time | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| BUSINESS & OPERATIONAL ADVANTAGES: | |||||||||||||
| Boosts payment and recovery rates | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Continuous AI learning and optimization | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| Improves inbound response efficiency | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Maintains strict compliance standards | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Reduces live agent workload | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Scales dynamically with call volume | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| COMPLIANCE & PRE-COLLECTOR PREPARATION: | |||||||||||||
| Captures verbal and digital consents | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Communicates legal disclosures in-call | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Delivers Mini Miranda statements instantly | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Ensures collector starts with verified party | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Logs compliance actions in account record | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Performs right-party verification automatically | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Reduces collector call preparation time | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| CORE CAPABILITIES: | |||||||||||||
| AI-driven inbound and outbound engagement | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| API-based data orchestration via Fusion | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Compliance-aware and fully recorded calls | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Event-driven campaign automation workflows | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Real-time conversational intelligence engine | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| Scalable cloud-based architecture | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Sentiment and tone detection engine | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| PAYMENT & TRANSACTION HANDLING: | |||||||||||||
| Automates reminders and follow-ups | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Generates secure payment links | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Handles payment confirmations instantly | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| PCI-compliant transaction management | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Processes real-time payment updates | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| SYSTEM & INTEGRATION LAYER: | |||||||||||||
| Cloud VPC environment provisioning | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Multi-tenant or dedicated deployment options | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Real-time data synchronization engine | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Secure VPN client connectivity | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| SQL and Oracle data linking | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| LEGAL CASE MANAGEMENT | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Legal Case Data Grids Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Case Events Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Case Management Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| LEGAL CASE PARTIES | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Legal Abstract/Lien Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Actions & Court Reqs Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Case Custom Window Studio Designer | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Answer Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Bank Attachment Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Bankruptcy Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Conclude Case Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Consent of Judgment Entry Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Custom Window Studio Designer | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Exam Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Garns/Levy Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Judgment & Vacate Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Motion Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Service Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party Stipulation Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Party User Data Grids Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| LEGAL TOOLS | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Legal Actions Workflow Manager | ✓ | ||||||||||||
| Legal Case Workflows Manager | ✓ | ||||||||||||
| Legal Strategy on Demand Module | ✓ | ||||||||||||
| LEGAL WORKFLOWS | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Legal Actions Wizard Module | ✓ | ||||||||||||
| Legal Party Workflow Decisioning Utility | ✓ | ||||||||||||
| Legal Workflow Decisioning Utility | ✓ | ||||||||||||
| LOAN SERVICING | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Acceptance of Multiple Payment Types | ✓ | ||||||||||||
| Assessments & Fees Processing Subsystem | ✓ | ||||||||||||
| Attorney Fees & Legal Transactions Auto-Calcs Module | ✓ | ||||||||||||
| Auto-Calculated Funding Payables | ✓ | ||||||||||||
| Auto-Fee & Penalty Assessment | ✓ | ||||||||||||
| Auto-Fee & Penalty Assessments Module | ✓ | ||||||||||||
| Auto-NSF Assessment Fees & Notices Generator | ✓ | ||||||||||||
| Auto-Payment Distribution Controls | ✓ | ||||||||||||
| Automated App Approvals Rules Engine | ✓ | ||||||||||||
| Automated Billing & Notice Generator Module | ✓ | ||||||||||||
| Automated Transaction Workflows | ✓ | ||||||||||||
| Booked Loan Amortization Schedule Generation | ✓ | ||||||||||||
| Charge-Off Module | ✓ | ||||||||||||
| Charge-offs Fees & Adjustments Reversals | ✓ | ||||||||||||
| Consolidated Multi-Loan Funding Subsystem | ✓ | ||||||||||||
| Electronic Payment Processing Integration | ✓ | ||||||||||||
| Financial APR Validation Controls | ✓ | ||||||||||||
| Financial Regulatory Compliance Subsystem | ✓ | ||||||||||||
| Flexible Loan Cycle Frequency Module Utility | ✓ | ||||||||||||
| Loan Billing & Servicing Rules Engine | ✓ | ||||||||||||
| Loan Contract & History Tracking | ✓ | ||||||||||||
| Loan Document Management Tracking System | ✓ | ||||||||||||
| Loan Servicing Module | ✓ | ||||||||||||
| Loans Extensions & Recalculated Terms Module | ✓ | ||||||||||||
| Loans Extensions & Term Recalculation Module | ✓ | ||||||||||||
| Metro II Credit Bureau Reporting | ✓ | ||||||||||||
| Multi Buyer, Co-Buyer and Guarantors Tracking | ✓ | ||||||||||||
| Multi-Loan & Term Types Subsystem | ✓ | ||||||||||||
| Multi-Payment Frequencies Module | ✓ | ||||||||||||
| Originations Workflow Module | ✓ | ||||||||||||
| Paper checks - Electronic checks - Bank-drafts | ✓ | ||||||||||||
| Paperless Funding Check Task List | ✓ | ||||||||||||
| Payment Calculation Estimator Module | ✓ | ||||||||||||
| Payment Processing AI, IVR, ACH, Phone & Online | ✓ | ||||||||||||
| Remittance Processing Integration | ✓ | ||||||||||||
| Third-party Lockbox & Check-21 Processing | ✓ | ||||||||||||
| Track & Auto Calc. Discounts Reserves & Withholds | ✓ | ||||||||||||
| Un-wind, write-off, or Buy Back Loans Module | ✓ | ||||||||||||
| Variable & Fixed Loan Rates | ✓ | ||||||||||||
| Variable & Fixed Loan Rates Utility | ✓ | ||||||||||||
| PAYMENTS SYSTEMS | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Automated Recurring Payment Processing | ✓ | ✓ | ✓ | ||||||||||
| Consumer Negotiator Payments Portal | ✓ | ✓ | ✓ | ||||||||||
| Consumer Payments Portal | ✓ | ✓ | ✓ | ||||||||||
| Credit Card, Check / ACH Tokenized Payments | ✓ | ✓ | ✓ | ||||||||||
| Digital Tokenized Payments | ✓ | ✓ | ✓ | ||||||||||
| Email Message Secure Payment Link | ✓ | ✓ | ✓ | ✓ | |||||||||
| Text Message Secure Payment Link | ✓ | ✓ | ✓ | ✓ | |||||||||
| PORTFOLIO & INVESTOR MANAGEMENT | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| AI-driven portfolio performance analysis | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||
| AI-driven portfolio scoring and stratification | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Automate reserve and recourse processing | ✓ | ✓ | ✓ | ✓ | |||||||||
| Centralized portfolio lifecycle management | ✓ | ✓ | ✓ | ✓ | |||||||||
| Configurable user access and security | ✓ | ✓ | ✓ | ✓ | |||||||||
| Customizable Ad Hoc reporting engine | ✓ | ✓ | ✓ | ✓ | |||||||||
| Customizable real-time glass panel dashboards | ✓ | ✓ | ✓ | ✓ | |||||||||
| Fully integrated decisioning engine workflows | ✓ | ✓ | ✓ | ✓ | |||||||||
| Fully integrated outsourced agency management | ✓ | ✓ | ✓ | ✓ | |||||||||
| Granular portfolio-related expense tracking | ✓ | ✓ | ✓ | ✓ | |||||||||
| Granular tracking of portfolios from purchase to sale | ✓ | ✓ | ✓ | ✓ | |||||||||
| Grouping by any portfolio attribute | ✓ | ✓ | ✓ | ✓ | |||||||||
| Maintain investor account registers | ✓ | ✓ | ✓ | ✓ | |||||||||
| Modern and intuitive user interface | ✓ | ✓ | ✓ | ✓ | |||||||||
| Optional integrated dialer, text, email broadcasters | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||
| Performance-based agency placement distributions | ✓ | ✓ | ✓ | ✓ | |||||||||
| Portfolio-specific custom fields | ✓ | ✓ | ✓ | ✓ | |||||||||
| Real-time or batch remittance updates | ✓ | ✓ | ✓ | ✓ | |||||||||
| Recall and reassign underperforming portfolios | ✓ | ✓ | ✓ | ✓ | |||||||||
| Seamless integration with IMPACT financial ecosystem | ✓ | ✓ | ✓ | ✓ | |||||||||
| Sensitive data masking | ✓ | ✓ | ✓ | ✓ | |||||||||
| Separate evaluation vs. active inventories | ✓ | ✓ | ✓ | ✓ | |||||||||
| Track investor earnings and distributions | ✓ | ✓ | ✓ | ✓ | |||||||||
| Track investor portfolio ownership percentages | ✓ | ✓ | ✓ | ✓ | |||||||||
| Track investors, investor groups, buyers and sellers | ✓ | ✓ | ✓ | ✓ | |||||||||
| PORTFOLIO MANAGEMENT | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Account Inventory Original Creditor Tracking | ✓ | ✓ | ✓ | ✓ | |||||||||
| Dashboard Analytics Tracking Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| IMPACT Data Exchange Forwarding Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| IRR (Internal Rate of Return) Tracking Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Packaging & Reselling Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Portfolio Expense Tracking Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Portfolio Inventory Original Creditor Tracking | ✓ | ✓ | ✓ | ✓ | |||||||||
| Portfolio Inventory Source Tracking Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Repurchase/Recourse Timeline Audits Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| ROI (Return on Investment) Tracking Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Score and Index Logic Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Tiered Contracted Rate Invoice Tracking Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Vendor Management Interface | ✓ | ✓ | ✓ | ✓ | |||||||||
| REAL-TIME PAYMENTS | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Agents can send secure Email Payment Links | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Agents can send secure Text Payment Links | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| AI (IVA) Interactive Voice Agent – IVAN / AVA | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| AI IVR Payment Module | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| Consumer Payment Portal Real-Time Payment Processing | ✓ | ✓ | ✓ | ||||||||||
| Electronic Phone Pays Module | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Payment Arrangement Recurring Charges Utility | ✓ | ✓ | ✓ | ||||||||||
| REPORTING | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| CUBE Multi-Dimensional Data Aggregator Warehouse Platform | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Dashboards Designer | ✓ | ✓ | ✓ | ✓ | |||||||||
| Email Scheduler | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Exporter Utility (XML, PDF, DOC, XLS, CSV, RTF) | ✓ | ✓ | ✓ | ✓ | |||||||||
| Report Designer | ✓ | ✓ | ✓ | ✓ | |||||||||
| Report Processing Scheduler Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| REVENUE CYCLE MANAGEMENT | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Audit Benefits & Recoveries Module | ✓ | ✓ | ✓ | ||||||||||
| Automated Electronic Remittance Payments | ✓ | ✓ | |||||||||||
| Batch Patient Billing Subsystem | ✓ | ✓ | |||||||||||
| Benefits Management Reconciliation | ✓ | ✓ | |||||||||||
| Claims Tracking Subsystem | ✓ | ✓ | ✓ | ||||||||||
| Early Out Module | ✓ | ✓ | |||||||||||
| EDIs 835/837 Electronic Processing | ✓ | ✓ | ✓ | ||||||||||
| Facility Accounting Consolidations | ✓ | ✓ | ✓ | ||||||||||
| Healthcare Compliance Subsystem | ✓ | ✓ | ✓ | ||||||||||
| Insurance Billing Subsystem | ✓ | ✓ | |||||||||||
| Insurance Subrogation Subsystem | ✓ | ✓ | ✓ | ||||||||||
| Liens & SOL Tracking | ✓ | ✓ | ✓ | ||||||||||
| Medical Charges Tracking | ✓ | ✓ | |||||||||||
| Online Patient & Provider Portals | ✓ | ✓ | |||||||||||
| Patient Digital Engagement Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Patient Payment Portal | ✓ | ✓ | |||||||||||
| Reimbursement Module | ✓ | ✓ | |||||||||||
| Self-Pay Billing Subsystem | ✓ | ✓ | |||||||||||
| Store & Preview Institutional Claims (UB04) | ✓ | ✓ | |||||||||||
| Store & Preview Professional Claims (CMS-1500) | ✓ | ✓ | |||||||||||
| Third-Party Liability Module | ✓ | ✓ | ✓ | ||||||||||
| Write-Off & Collection Agency Forwarding | ✓ | ✓ | ✓ | ||||||||||
| SCRIPTING | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Agent Prompts Module | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Super Scripting Studio Designer - Agent Coaching Module | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| SECURITY | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Granular Security Level Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Payment Vendor Tokenization | ✓ | ✓ | ✓ | ||||||||||
| PCI DSS Level 1 Certified Cardholder Data Environment (CDE) | ✓ | ✓ | ✓ | ✓ | |||||||||
| SSL - Secure Certificate Integration Services Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| User Security Setup Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| SECURITY AUTHENTICATION | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Azure Active Directory | ✓ | ✓ | ✓ | ✓ | |||||||||
| Certificate-Based Authentication | ✓ | ✓ | ✓ | ✓ | |||||||||
| Federated Identity Management | ✓ | ✓ | ✓ | ✓ | |||||||||
| MSAD (Microsoft Active Directory) Integration Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Multi-Factor Authentication (MFA) | ✓ | ✓ | ✓ | ✓ | |||||||||
| OTKA (IDaaS) Identity-as-a-Service Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Role-Based Access Control (RBAC) | ✓ | ✓ | ✓ | ✓ | |||||||||
| SAML 2.0 Identity Authentication Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| SSO (Single Sign-On) Cloud Services Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| TAX | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| TAX BILLING & COLLECTIONS: | |||||||||||||
| Accounting & Cashiering Functions | ✓ | ✓ | |||||||||||
| Accounts Linking System | ✓ | ✓ | |||||||||||
| Advanced Visual Workflows | ✓ | ✓ | |||||||||||
| Automated eBilling System | ✓ | ✓ | |||||||||||
| Automated Filing & Non-Filing Notices Module | ✓ | ✓ | ✓ | ||||||||||
| Back/Taxes Calculator | ✓ | ✓ | |||||||||||
| Bankruptcies, Judgments & Summaries | ✓ | ✓ | ✓ | ||||||||||
| BK / Deceased Scrubs | ✓ | ✓ | |||||||||||
| Case Auditing | ✓ | ✓ | ✓ | ||||||||||
| Change Order System | ✓ | ✓ | |||||||||||
| Citizen Payment Portal | ✓ | ✓ | |||||||||||
| Credits & Rebilling | ✓ | ✓ | |||||||||||
| Court Case Management Subsystem | ✓ | ✓ | ✓ | ||||||||||
| Department Data Annual Portal | ✓ | ✓ | |||||||||||
| Detailed Audit Trails | ✓ | ✓ | |||||||||||
| Documents Management System | ✓ | ✓ | ✓ | ||||||||||
| Field Agent Application | ✓ | ✓ | |||||||||||
| Geolocation Parcels Module | ✓ | ✓ | |||||||||||
| Interest & Penalty Calculations | ✓ | ✓ | |||||||||||
| Legal Case Management | ✓ | ✓ | ✓ | ||||||||||
| Multi-Jurisdictions Tax Assessments | ✓ | ✓ | |||||||||||
| Non-Tax Revenue Billing & Processing Module | ✓ | ✓ | |||||||||||
| Payment Arrangements | ✓ | ✓ | |||||||||||
| Payment Posting Allocations | ✓ | ✓ | |||||||||||
| Redemptions Systems | ✓ | ✓ | |||||||||||
| Refund & Issuance Process Workflows | ✓ | ✓ | |||||||||||
| Revenue Distribution Module | ✓ | ✓ | |||||||||||
| Tax & Non-Tax Refunds Processing Module | ✓ | ✓ | |||||||||||
| Tax Calculators | ✓ | ✓ | |||||||||||
| Tax Collections System | ✓ | ✓ | |||||||||||
| Tax Copilot Assistant | ✓ | ✓ | ✓ | ||||||||||
| Tax Forms & Notices Generation Subsystem | ✓ | ✓ | |||||||||||
| Tax Intercept Module | ✓ | ✓ | |||||||||||
| Tax Return Processing | ✓ | ✓ | |||||||||||
| Tax Returns Generation, Tracking & Processing Module | ✓ | ✓ | |||||||||||
| Tax Type Calculated Fields Module | ✓ | ✓ | |||||||||||
| Tax Types Creation Module | ✓ | ✓ | |||||||||||
| Taxpayer Account Information | ✓ | ✓ | |||||||||||
| Vendor Accounts Forwarding | ✓ | ✓ | |||||||||||
| Vendor Management System | ✓ | ✓ | |||||||||||
| Victims Restitution Module | ✓ | ✓ | ✓ | ||||||||||
| TELCO SERVICES | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| IMPACT | CellCleanse — Smart Cell Contact Check | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| IMPACT | CNAM — Call-Name Branding Label | ✓ | ✓ | ✓ | ||||||||||
| IMPACT | DialDirect — Direct Inbound Dial Numbers | ✓ | ✓ | ✓ | ||||||||||
| IMPACT | DISCONNECT — Disconnected Cell-Phone Number Scrub | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| IMPACT | DNC — Anti-Spam Cleansing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||||||
| IMPACT | FORWARDS — Customer Carrier Channels | ✓ | ✓ | ✓ | ||||||||||
| IMPACT | LocalTouch — Local Presence DID Number Buckets | ✓ | ✓ | ✓ | ||||||||||
| IMPACT | RVM — Ringless Voicemail Drops Module | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| IMPACT | TollFree — Toll-Free Numbers | ✓ | ✓ | ✓ | ||||||||||
| IMPACT | TTS — Text-to-Speech | ✓ | ✓ | ✓ | ✓ | |||||||||
| TRACKING | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Activity & Result Code Driven System | ✓ | ✓ | ✓ | ✓ | |||||||||
| Bankruptcy Case Tracking Utility | ✓ | ✓ | ✓ | ||||||||||
| Calculated Custom Fields Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Client Portal, Agency Only & High Priority Notes Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Client Profile Audit Log Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| CMS 1500 Claims Module | ✓ | ✓ | |||||||||||
| Correspondence Tracking Engine | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Document Management System | ✓ | ✓ | ✓ | ✓ | |||||||||
| Email Message Contacts Tracking | ✓ | ✓ | ✓ | ✓ | |||||||||
| Financial Accounting Tracking Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Forward Tracking Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Granular Account Updates Tracking Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| History Types Tracking Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Invoice Tracking | ✓ | ✓ | ✓ | ✓ | |||||||||
| Legal Case Tracking Utility | ✓ | ||||||||||||
| Mirrored Custom Fields Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Reg-F Tracking Module | ✓ | ✓ | ✓ | ||||||||||
| System Level Logon/Logoff Audit Log Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Tasking Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Text Message Contacts Tracking | ✓ | ✓ | ✓ | ✓ | |||||||||
| UB04 Claims Module | ✓ | ✓ | |||||||||||
| User Profile Audit Log Utility | ✓ | ✓ | ✓ | ✓ | |||||||||
| Versioning Controls & Audit Tracking System | ✓ | ✓ | ✓ | ✓ | |||||||||
| Voice Calls Contacts Tracking | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Voice Recording Logs Utility | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| VENDORS | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Agency & Attorney Forwarding Module | ✓ | ✓ | ✓ | ✓ | |||||||||
| Client Management System | ✓ | ✓ | ✓ | ✓ | |||||||||
| Vendor Interface Management – FUSION – IMPACT Integrates all vendor partners | ✓ | ✓ | ✓ | ✓ | |||||||||
| VoIP (VOICE OVER IP) | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| VoIP PBX System | ✓ | ✓ | ✓ | ||||||||||
| VoIP Phones | ✓ | ✓ | ✓ | ||||||||||
| VoIP Services | ✓ | ✓ | ✓ | ||||||||||
| WORK ASSIGNMENT | |||||||||||||
| SOLUTIONS | COLLECTIONS | LEGAL | PORTFOLIO | TAX | AI COPILOT | AI VOICE INTEL | AI ASSIST | AI IVA | TEXTING | EMAILS | DIALER | PBX | TELCO |
| Agent Desk Setup & Assignment Utility | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Agent Select Worklist Module | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Dynamic Job Distributor Module | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||
| Visual Workflow Decisioning Studio Designer | ✓ | ✓ | ✓ | ✓ | ✓ | ||||||||