Why organisations choose CGI Credit Studio for collections

CGI Credit Studio for collections modernises arrears and recovery with real-time insight, intelligent automation and adaptable workflows – providing a single customer and account view across the collections and recovery lifecycle. Designed for phased rollout and operational adoption, it enables organisations to introduce capabilities progressively while maintaining service continuity.

Our credit and collections software supports operational models across financial services, government, telecommunications, retail and utilities – where fair treatment, transparency and consistent execution matter, including appropriate support for customers in financial difficulty or vulnerability.

CGI Credit Studio is a major technology investment and a commitment to the future of collections from CGI. It's based on a full-scale rewrite of our award-winning CACS solution from the ground up, right across our CGI Credit Studio platform for origination, credit and fraud decisioning and collections.

45+ years
experience in default management
£1.5+ trillion
debt processed daily (global scale)
75%
of the world’s top 20 banks trust CGI
Arum approved stamp

CGI Credit Studio for collections is an ‘Arum Approved System’

Arum Global’s certification confirms that the solution meets global collections and recoveries requirements, delivering robust functionality, modern technology, and a client-ready implementation.

Read the article to learn more about the certification.

Benefits of our debt collection and recovery software

Real-time recovery

Real-time recovery

Event-driven workflows adapt quickly to customer behaviour, improving resolution rates.

Scalable self-service

Scalable self-service

Omnichannel tools and virtual agents supported by AI reduce costs and improve the customer experience, helping customers resolve debt on their terms.

Built-in compliance and insights

Built-in compliance and insights

Automated controls and AI-enabled analytics help you stay proactive and consistent, supporting oversight and documentation.

Smarter decisioning

Smarter decisioning

AI-enabled decisioning helps prioritise higher-risk accounts and guide next-best actions while supporting transparent, defensible decision-making.

Improving outcomes across the collections lifecycle

CGI Credit Studio for collections supports every stage of the collections lifecycle from early intervention to final resolution, helping organisations optimise outcomes.

Pre-collections: early-warning insight and targeted outreach to reduce roll rates into delinquency

Early-stage collections: prioritised worklists, channel guidance and digital pathways to improve first-contact resolution

Late-stage recovery: strategy-aware decision support for hardship, settlement and escalation pathways

Bankruptcy and repossession: structured workflows, controlled documentation and auditability to support compliant bankruptcy and asset recovery processes where required

CGI Credit Studio for collections lifecycle
Abstract AI adoption

Embedded AI for collections

CGI Credit Studio for collections applies AI in a measurable, responsible way that fits UK collections operations. Our approach supports phased adoption, starting with lower-risk, assistive use cases and expanding as organisations build confidence and governance.

Key attributes of our AI-enabled collections capabilities include:

Embedded, not bolted-on AI, configured within the collections platform where strategies, workflows and controls already live

Collections-specific intelligence, grounded in real collector workflows and day-to-day operational needs

Designed to align with governance and risk expectations, with defined human decision points and reviewable, auditable outputs

Strategy-aware decision support, extending beyond individual interactions to prioritisation, channel selection and treatment paths

Supports both collectors and customers, bringing AI-assisted agent tools and digital self-service together within the same platform

Designed for real-world adoption, reducing the risk and disruption of moving from AI pilots to production use

Assistive AI for collectors

CGI Credit Studio for collections offers a growing set of AI capabilities that support collectors before, during and after customer interactions - without taking actions on their behalf.”

Call Summarisation

Call summarization

Call Summarisation uses AI to generate structured summaries of collections calls, capturing key outcomes, next steps and context automatically. This reduces after-call work while supporting quality assurance, coaching and documentation consistency.

Typical impact (industry benchmarks): up to 30% reduction in after-call work and one minute or more reduction in overall call time.

AskSamantha

Data collection

AskSamantha enables collectors to ask natural-language questions about accounts, policies and procedures and receive relevant guidance without leaving their workflow.

Typical impact (industry benchmarks): up to 20% improvement in agent productivity by accelerating access to information. Available soon

Agent Assist

Agent assistant

Agent Assist provides AI-assisted, real-time prompts to support disclosures, vulnerability and affordability conversations, objections and repayment plan discussions while keeping the collector fully in control.

Typical impact (industry benchmarks): 10–20% improvement in promise-to-pay conversion and up to 20% reduction in agent attrition. Available soon

Integration, deployment and governance

CGI Credit Studio for collections integrates into existing UK collections ecosystems, acting as a central hub for in-house teams and third-party agencies, with controls to support operational stability and compliance.

Open APIs support integration with systems of record and selected third-party services

Digital self-service across web and mobile channels extends the customer experience with AI-supported omnichannel tools

Analytics and reporting provide visibility into strategy execution, performance and outcomes

Human-in-the-loop design ensures AI supports, rather than replaces, collector judgement

Reviewable outputs support quality assurance, coaching and compliance oversight

Supports hybrid operating models with consistent governance across in-house and outsourced activity

Two professionals looking at computer monitor

A proven partner in default and arrears management

We bring deep collections expertise and a proven track record. With CGI, you gain a strategic partner committed to long-term success. We combine innovative, cloud-native technology with a collaborative approach to help you meet evolving customer expectations, strengthen recovery performance and drive continuous operational improvement.

  • Trusted by 75% of the world’s top 20 banks
  • 14,000 banking professionals worldwide
  • Long-term client relationships built on delivery and outcomes

Who we support

 

credit studio retail banks
Government and public sector
Credit Studio telecommunications provider
Retail banking and consumer finance Government and public sector Telecommunications
providers

 

 

Credit Studio utilities provider
Credit Studio retailers
credit studio collections agencies
Utilities
providers		 Retailers Collections agencies

 

Connect with our team

Discover how our debt collection software can help you modernise operations with scalable self-service, better visibility and consistent execution.