Outsourced call centers hurt the brand
Third-party collectors rarely match the friendly Snappi voice. Customers feel chased, churn goes up, and reactivation gets harder.
Helios × Snappi
Friendly collections, at neobank speed — powered by AI.
Helios deploys AI voice agents that contact, negotiate and resolve overdue Snappi Pay Later, Cash Now and card balances at scale — with the warm, on-brand conversations European neobanking customers expect.
Contact rate +42%
AI voice agents reach more Snappi customers across morning, evening and weekend windows — no shift limits, no fatigue.
Recovery +35%
Conversational negotiation adapts to each Pay Later or Cash Now profile, turning more calls into real promises to pay.
Cost per case -60%
Automate the high-volume early-stage book so your team focuses on the complex cases that need a human touch.
Helios Dashboard
Conversations today
11.4k
Resolution
74%
Promises kept
962
Recent collections calls
PL
PromiseSnappi Pay Later — €480
12 days past due · Promise to pay logged
CN
NegotiatingSnappi Cash Now — €2,150
38 days past due · 3-installment plan
CA
PreventiveSnappi Card — €1,260
4 days past due · Friendly reminder sent
Weekly recovery
+24% vs prior week
MonTueWedThuFriSatSun
Built for modern neobank operations
Pay Later collectionsCash Now follow-upsMultilingual EN & ELGDPR-ready recordingsECB-grade compliancePromise-to-pay trackingReal-time dashboardsHuman handoff in-appPay Later collectionsCash Now follow-upsMultilingual EN & ELGDPR-ready recordingsECB-grade compliancePromise-to-pay trackingReal-time dashboardsHuman handoff in-app
The neobank collections challenge
Pay Later and Cash Now scale faster than any collections team can.
Helios turns rising Snappi delinquency volume into individual, on-brand conversations — at the scale a fast-growing European neobanking demands and with the regulatory rigor the ECB requires.
Low contact rates on a digital-first customer
Your customers ignore unknown numbers and work outside 9-to-5. Manual dialers waste cycles and miss the windows that actually convert.
Inconsistent conversations, fragile compliance
Every human agent negotiates differently. Without standardized, recorded interactions, GDPR, DSA and ECB audits become painful.
Capabilities
You don't need more collectors. You need a smarter Snappi voice.
Helios gives Snappi an always-on collections team that sounds human, negotiates intelligently, and leaves a clean audit trail behind every call.
Capability 01
Always-on outreach across EU windows
Reach the full Pay Later and Cash Now book at the hours customers actually answer, with no capacity ceilings.
- Thousands of daily calls without hiring more staff
- Smart dialing across mornings, evenings and weekends
- Cover 100% of the delinquent portfolio every cycle
Capability 02
On-brand negotiation in Greek and English
The agent matches Snappi's friendly tone and adapts the offer in real time based on product, balance and customer history.
- Tailored proposals by product: Pay Later, Cash Now, card
- Real-time intent detection and objection handling
- Automated installment plans and restructuring offers
Capability 03
GDPR & ECB-grade compliance
Every call is recorded, transcribed and tagged. Scripts are pre-approved by compliance, and every interaction is audit-ready.
- Full recording and transcript of every conversation
- Scripts aligned to ECB, EBA and Greek consumer rules
- Per-customer, per-campaign reporting and exports
Process
Launch your first Snappi collections campaign in days, not quarters.
Helios plugs into the Snappi core stack quickly and gets sharper with every interaction.
01
Connect your portfolio
Stream overdue Pay Later, Cash Now and card balances into Helios via API or secure file. Segment by days past due, product and balance.
02
Configure the Snappi voice
Approve scripts, set contact windows, define negotiation rules, installment limits and escalation paths to the human team.
03
The agent runs the book
Helios calls, negotiates and logs promises to pay. It re-prioritizes the dialer in real time based on what customers actually say.
04
Monitor recovery live
Real-time dashboards show contact rate, promises, kept-promise rate and recovered amounts — by product, segment and cohort.
Outcome
Recovery +35%
Higher contact rates and on-brand negotiation translate into more promises kept across the Snappi consumer book.
Outcome
Operating cost -60%
Automate the early-stage volume so internal teams can focus only on complex, high-balance or sensitive cases.
Outcome
100% portfolio coverage
No Snappi customer goes uncontacted — even as Pay Later and Cash Now volumes grow month over month.
Use cases
Intelligent collections across the full Snappi lifecycle
Helios adapts tone, urgency and offer to the moment — from a friendly nudge before due date to a final settlement before charge-off.
Preventive
Friendly reminders before due date
Reach Snappi customers a few days before their Pay Later installment or Cash Now payment is due, in their preferred language.
Request DemoWarm, neobank-style tone — never pushy
Clear amount, due date and one-tap payment link
Up to 25% reduction in early-stage delinquency
Request demo
Bring the Snappi voice to every collections call.
See how Helios can transform Snappi's collections operations with AI voice agents that contact, negotiate and resolve at the scale a fast-growing European neobank requires.