Better Debt

How is AI transforming debt collection in the US and Canada — and what challenges and opportunities lie ahead?In this episode of Better Debt, InDebted CEO & Founder Josh Foreman is joined by Dave Hanrahan (CEO & Co-founder, Kredit), Tony Pampena (President, CBV Collection Services & 2nd VP, RMA Canada), and Mike Zhou (VP Data & AI, InDebted) to explore how AI is reshaping contact strategies, compliance, and performance across North America.They discuss:Apple’s iOS 26 AI call screening and what it means for declining right-party contact rates in voice-heavy strategiesThe rise of AI voice agents and how hybrid human-AI models are driving efficiency and better customer engagementPractical use cases for predictive analytics to improve segmentation, timing, and repayment outcomesThe role of omnichannel outreach — SMS, email, and voice — in building trust and adapting to shifting consumer preferencesGuardrails for responsible AI adoption, from internal governance frameworks to explainability and QAHow regulation is lagging behind in both the US and Canada — and what operators can do now to stay aheadThe future of collections talent: how roles will evolve as AI takes over routine tasks, freeing teams to focus on higher-value workWelcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.

How is AI reshaping debt collection in Australia and New Zealand — and what can global creditors learn from it?In this episode of Better Debt, InDebted CEO & Founder Josh Foreman is joined by Adele Megdyatyova (Head of Performance & Analytics at InDebted) and Daniel Wirjo (Solutions Architect at AWS) to explore how AI-powered collections and digital-first strategies are transforming customer engagement in ANZ.They discuss:Apple’s iOS 26 call screening feature and what it means for declining right-party contact ratesWhy omnichannel debt collection is critical for effective, compliant customer engagementHow voice AI enables 24/7, multilingual conversations that reshape the customer experience in debt collectionThe difference between inbound and outbound AI voice — and the “breadth vs depth” challengeUsing AI-powered debt collection models to personalise outreach and improve conversionCompliance guardrails and designing trustworthy debt collection solutionsThe future of empathetic, scalable collections: AI co-pilots, A/B testing conversations, and bold predictions for 2026Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.