Hi, I’m Prodigal AI, trained for consumer finance.

I deliver automation and intelligence to strengthen your team.

How do you know which accounts are most likely to pay? What are the best times, days, and channels to connect with customers? Why do some representatives get more payments?

Transform account prioritization. Optimize customer outreach. Elevate agent effectiveness. Do it all with Prodigal.
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I’ve analyzed over 400 million consumer finance conversations
just like the ones you have every day.

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Introducing consumer finance intelligence

Outdated operations, meet customized solutions.

Wherever you are in consumer finance - lending, collecting, servicing, or healthcare RCM - the daily obstacles of effectively connecting with customers and patients and driving payments are universal.

Models that (kind of) work aren't enough anymore. You've got a better option: AI built to answer your pressing business questions and improve your strategies.
We call it consumer finance intelligence — welcome to your future.

10%

Lift in payment rates

40%

Increase in digital click-through rates

$12,500+

Estimated savings per representative per year

$1.5M+

Average annual customer savings
The future of consumer finance

I modernize your operations with actionable AI.

Today, nearly one in five U.S. borrowers has engaged with Prodigal, and it’s only the beginning.

Teams like yours have to rely on stale, months-old data like credit scores and payment histories and technology that has never delivered on its promises.

Generative AI trained specifically to support consumer finance teams is here to change all that.

We won’t be satisfied until you, and every other loan lifecycle company out there, experiences the power of AI-supported communication and intelligence.

See how it works for your team:
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Auto finance

Make repayment less tricky. Make customer delight more sticky.

Rising delinquencies, high interest rates—with less inventory—and inflation are making auto finance a risky business.

But you can still set your servicing and collections teams up for a level of success you didn't know was possible.
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Auto finance

Make repayment less tricky. Make customers’ delight more sticky.

With labor challenges, rising auto rates—with less inventory—and inflation making repayment harder, you have an opportunity to help your servicing and collections teams perform at their full potential. Prodigal’s AI-powered applications automate and simplify your processes by guiding your agents through calls and ensuring real-time compliance.
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Auto finance

I accelerate your auto finance team with AI.

Record-high payments and rising delinquencies are making auto finance servicing and collections harder.  But Prodigal’s AI-powered applications and intelligence automate and simplify your processes by analyzing omnichannel communications to help your team keep payments current and repossessions low.
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Collections

Less talking and typing. More focus on customers.

Streamline and scale script adherence, as well as any specific policies your agents are supposed to practice when talking to customers. Automate the tedious task of note-taking during or after calls, so your agents can focus solely on their conversation, and provide the most human, authentic, and effective experience possible.
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Collections

I help you boost payments and lift agent performance.

Capture and act on what's happening in your customers' financial lives right now to improve prioritization and segmentation. Track and coach agents in real time to power revenue, streamline slow and incomplete QA workflows, and automate tedious note-taking  so your team can focus on effectiveness.
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Collections

Maximize any size team. Do more with fewer agents.

Empower any size team of agents to be able to collect more and resolve issues on calls faster. Automate the tedious task of note-taking during or after calls, so your agents can focus solely on their conversation and provide the most human, authentic, and effective experience possible.
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Healthcare

Maximize any size team. Do more with fewer agents.

Empower any size team of agents to be able to resolve issues on calls faster and more consistently. Ensure an authentically-human and highly-informed first-call experience for patients, so they feel that their voice is heard, and that their issues are handled with empathy and care. Train your agents to be able to respond to insurance denials and billing and benefit questions in real-time, all of the time.
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Healthcare

Maximize any size team. Do more with fewer agents.

Empower any size team of agents to be able to resolve issues on calls faster and more consistently. Ensure an authentically-human and highly-informed first-call experience for patients, so they feel that their voice is heard, and that their issues are handled with empathy and care. Train your agents to be able to respond to insurance denials and billing and benefit questions in real-time, all of the time.
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Healthcare

I ease patient payments with fresh intelligence and new solutions.

Ensure an empathetic and informed omnichannel experience for patients by analyzing conversations and proactively designing solutions. Raise payment rates and patient satisfaction without increasing costs.
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Banking & lending

Transform customer complaints into fully compliant customer delight.

Empower your agents to focus solely on building authentic, engaging, and effective connections with customers. By removing tedious tasks that distract them and by simplifying and streamlining the laundry list of procedures and compliance rules that overwhelm them, they can get the job done faster and provide the best experience for customers.
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Banking and lending

I deliver current information so you can transform lending strategies.

Empower your representatives to be able to focus on building more authentic and effective connections with customers. Reduce cost-to-service, automate complaints management, and solve for business problems before they begin.
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Banking and lending

Transform customer complaints into fully-compliant customer delight

Empower your agents to be able to focus solely on building more authentic, more engaging, and more effective connections with customers by removing tedious tasks that distract them, and by simplifying and streamlining the laundry list of procedures and compliance rules that overwhelm them, so they can get the job done faster, and provide the best experience for customers.
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Auto finance

Make repayment less tricky. Make customers’ delight more sticky.

With labor challenges, rising interest rates—with less inventory—and inflation making repayment harder, you have an opportunity to help your servicing and collections teams perform at their full potential. Prodigal’s AI-powered applications automate and simplify your processes by guiding your agents through calls and ensuring real-time compliance.
iPhone mockup
Auto Finance

Make repayment less tricky. Make customers’ delight more sticky.

With labor challenges, rising auto rates—with less inventory—and inflation making repayment harder, you have an opportunity to help your servicing and collections teams perform at their full potential. Prodigal’s AI-powered applications automate and simplify your processes by guiding your agents through calls and ensuring real-time compliance.
iPhone mockup
Auto Finance

Make repayment less tricky. Make customers’ delight more sticky.

With labor challenges, rising auto rates—with less inventory—and inflation making repayment harder, you have an opportunity to help your servicing and collections teams perform at their full potential. Prodigal’s AI-powered applications automate and simplify your processes by guiding your agents through calls and ensuring real-time compliance.
iPhone mockup
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Collections

Less talking and typing. More focus on customers.

Streamline and scale script adherence, as well as any specific policies your agents are supposed to practice when talking to customers. Automate the tedious task of note-taking during or after calls, so your agents can focus solely on their conversation, and provide the most human, authentic, and effective experience possible.
iPhone mockup
Collections

Less talking and typing. More focus on customers

Streamline and scale script adherence, as well as any specific policies your agents are supposed to practice when talking to customers. Automate the tedious task of note-taking during or after calls, so your agents can focus solely on their conversation, and provide the most human, authentic, and effective experience possible.
iPhone mockup
Collections

Maximize any size team. Do more with fewer agents.

Empower any size team of agents to be able to collect more and resolve issues on calls faster. Automate the tedious task of note-taking during or after calls, so your agents can focus solely on their conversation, and provide the most human, authentic, and effective experience possible.
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Healthcare

Maximize any size team. Do more with fewer agents.

Empower any size team of agents to be able to resolve issues on calls faster and more consistently. Ensure an authentically human and highly informed first call experience for patients, so they feel that their voice is heard, and that their issues are handled with empathy and care. Train your agents to be able to respond to insurance denials and billing and benefit questions in real time, all of the time.
iPhone mockup
Healthcare

Maximize any size team. Do more with fewer agents

Empower any size team of agents to be able to resolve issues on calls faster and more consistently. Ensure an authentically-human and highly-informed first-call experience for patients, so they feel that their voice is heard, and that their issues are handled with empathy and care. Train your agents to be able to respond to insurance denials and billing and benefit questions in real-time, all of the time.
iPhone mockup
Healthcare

Less talking and typing. More focus on patients.

Streamline and scale script adherence, as well as any specific policies your agents are supposed to practice when talking to customers. Ensure an authentic and informed first-call experience for patients, so they feel that their voice is heard, and that their issues are handled with empathy and care. Train your agents to be able to respond to insurance denials and billing and benefit questions in real time, all of the time.
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Lending

Transform customer complaints into fully compliant customer delight.

Empower your agents to be able to focus solely on building more authentic, more engaging, and more effective connections with customers. By removing tedious tasks that distract them and by simplifying and streamlining the laundry list of procedures and compliance rules that overwhelm them, they can get the job done faster, and provide the best experience for customers.
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Banking & Lending

Transform customer complaints into fully-compliant customer delight

Empower your agents to be able to focus solely on building more authentic, more engaging, and more effective connections with customers by removing tedious tasks that distract them, and by simplifying and streamlining the laundry list of procedures and compliance rules that overwhelm them, so they can get the job done faster, and provide the best experience for customers.
iPhone mockup
Lending

Transform customer complaints into fully-compliant customer delight

Empower your agents to be able to focus solely on building more authentic, more engaging, and more effective connections with customers by removing tedious tasks that distract them, and by simplifying and streamlining the laundry list of procedures and compliance rules that overwhelm them, so they can get the job done faster, and provide the best experience for customers.
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Check out our resources.

Check out new ideas and discover all the innovative ways Prodigal’s AI-powered applications will improve your operations.
Easy integrations

I sync with stuff you already use.

Software integrations can be clunky and complicated. We’ve solved for that too.

Our custom APIs are developed with your current tech stack in mind, ensuring simple, seamless, and successful product syncs with platforms and tools you already use.
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Safe & secure

I protect and secure your data.

You can rest assured knowing that the confidentiality, integrity, and availability of your data is protected according to rigorous industry standards. We possess SOC 2 Type II platform compliance and are PCI DSS certified. We maintain up-to-date processes and controls with regular audits by internal and external parties.
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Testimonials
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"ProNotes is great from a compliance perspective. You see standardization of notes across the board. Regulators see that thoroughness and consistency and don’t go digging for potential concerns. Especially in highly regulated industries, it’s essential."

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Tim Collins

Chief Compliance Officer at InDebted
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“Prodigal is powerful. It's helped us identify opportunities to fix compliance gaps, train agents, and increase productivity.”

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Neeraj Mendiratta

CEO at KnovaOne
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“Prodigal’s notes automation makes servicing operations more efficient and effective.”

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Mike Lavin

President & COO at
Consumer Portfolio Services
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G2 ratings & reviews

See why our customers love Prodigal.

More than 80 million people annually use G2 to make software decisions based on authentic peer reviews.
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AI to modernize your business

Ready to chat when you are.

The information you've always needed to accurately prioritize, segment, and target accounts so you can reduce costs and increase customer satisfaction, delivered for your business by Prodigal's custom AI.
We'll be in touch very soon.
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60+
Customers
75
Team members
3
Continents

Join our team

Help introduce consumer finance intelligence to lending and collections teams everywhere.
Check out our open jobs
60+
Customers
75
Team members
3
Continents