Murphy for AI agents

A structured source of truth about Murphy: what it is, how it works, the published outcomes, the compliance posture and where to verify. Assembled from the same content the site's pages render, so it cannot drift from them.

Murphy at a glance

Category: AI platform for financial remediation
Site languages: English, Spanish, Portuguese, Italian and Dutch
Compliance marks: ISO 27001, SOC 2, GDPR, EU AI Act

What Murphy is

Murphy contacts customers in arrears by phone, WhatsApp, email, RCS or SMS, and agrees a plan they can keep. Every conversation is auditable and compliant with your policy.

The six guarantees

Never off script. Murphy speaks only within the limits you set. Every change is versioned and logged; every communication, voice or written, follows the rules you approved.
Nothing left unlogged. People forget to log calls; Murphy never does. Every interaction is filed to your CRM automatically, in full.
The right party, reached. Murphy skip traces across compliant data sources and connects, so your right party contact rate rises, not just your dial count.
The most natural voice. Murphy replies in under a second, on its own speech and language stack. No robotic pauses, just a conversation.
Deployed your way. On premise, your private cloud, or ours, with dedicated engineers from integration to the first live call.
From connection to payment. Wired into your dialer and CRM, Murphy sees the real balance, offers a plan the customer can meet, and takes payment promise on the call.

The product, from first attempt to last instalment

Contact strategy: Reach them when they actually answer. Voice, WhatsApp, SMS, email, portal notices and letters run on one plan, under your caps on at what time, how often and at what intervals. Murphy learns when each customer actually answers and concentrates attempts there. Fewer attempts, a higher contact rate.
Skip tracing: Find a number that works, and reach the customer on it. Every number on file is scored on what happened when it was called and who actually answered. Murphy discards the wrong numbers, skip tracing fills the gaps, and the best number rises to the top, so more calls end in a right party contact instead of a dead dial.
Verification: Confirm who answered before anything is disclosed. Before ever mentioning the money owed, Murphy presents itself as an automated agent, states that the call is being recorded, and delivers any other disclosure your policy sets. It then checks who answered. Every step is timestamped in the recording, to the second.
Affordability assessment: Offer a plan they can actually afford. Murphy measures precisely what the customer can afford. Income, housing costs, essential spending, and what they already pay other lenders all come straight from the conversation. It checks the vulnerability markers each country requires, in the same call, and logs what it finds. The plan it offers is sized to what the customer can actually pay.
Negotiation: Agree a plan inside the limits you set. Payment instalments, a discount or one settlement, chosen inside a range set once for each product. Whatever the affordability check found comes into the negotiation with the customer, and the agent shapes the offer around it. When circumstances change, what was agreed before is still on the record. The portion of conversations that end in an agreed plan is how a collections floor measures itself.
Payment tracking: Follow the schedule, and pick the conversation up from it. Murphy checks every instalment against what actually arrives, and money arrives in parts, late, and sometimes weeks after it was due. A broken promise appears the day it breaks, so the next call starts there: the instalment that was missed, and what to do about it. The plan can still be changed while the customer is in contact. A month-end report shows the same miss three weeks later, when they are harder to reach.
Customer portal: Let customers read the plan back and accept it. The plan the agent agreed is already on their phone: the balance, the instalments and the dates, to read at their own pace, accept and pay. Someone who wanted time to think finishes there, on the same case and inside the same limits. Every one of those is a self cure that costs nobody a call.
Quality assurance: Every call checked against the rules, not a sample. Murphy scores every conversation against the rules that apply to it, the regulator's and the ones your own team wrote. Nothing is sampled and no call queues for review. Anything that fails, or that the check cannot settle on its own, reaches one of your reviewers with the second of the recording where it happened.
Auditability: Prove what happened, and who set the rules it happened under. Balance changes, agreements, payments and handovers all stay on one record for that customer, each linked to the call behind it. Every entry names the agent configuration and the policy version in force at the time, and the manager who approved them. Murphy records the reasoning behind every decision, so approving is a permission and the trail shows who allowed it and why.

Published outcomes

+4 pts higher recovery rate than the bank's own call centre
-60% cost against collection agencies and in-house teams
100% of calls fully compliant (measured in production, not yet a pilot claim)
< 0.9 s to reply, faster than a natural pause (measured in production, not yet a pilot claim)

Customer evidence

A tier 1 Spanish bank ran Murphy head to head against its own call centre on comparable accounts in early arrears. Over the pilot, the call centre recovered 77% of balance and Murphy recovered 81%, with every call scored against the bank's own rulebook. These are the figures the bank signed off for publication; the rest stays theirs.

Read the full story

Compliance and security

The marks below are the ones the site itself shows; each is verifiable through the Trust Center linked sitewide.

ISO 27001 · SOC 2 · GDPR · EU AI Act

Frequently asked questions

Does the customer know they are talking to an AI agent?

Yes. Murphy presents itself as an automated agent and states that the call is being recorded before it ever mentions the money owed, on every call. Any further disclosure your own policy or your regulator requires is delivered in the same opening, and every one of them is timestamped in the recording.

What happens when someone asks to speak to a person?

Murphy can immediately transfer the caller to a human agent or schedule a callback. Your team sets the rules for which happens and when. The conversation goes with the handover, so whoever picks it up can see what was already said and the customer does not start again.

What if the person who answers is not the customer?

Murphy checks who it is speaking to before it says anything about money. If the person who answers is not the customer, what Murphy may tell them depends on the law in that market and on the rules you set on top of it.

Who decides what the agent is allowed to say and offer?

Your team does. You set what an agent may offer, when it may call, and when it must stop. Murphy operates only inside those limits, and every call is scored against them. Every change you make is dated and logged, so you can match every call to a rule someone on your side approved.

How many calls are checked for compliance?

Every call. Murphy scores every conversation against the rules that apply to it, both the regulator's and the ones your own team wrote. Nothing is sampled, and the score lands with the call rather than in a monthly batch. Anything that fails, or that the automated check cannot settle, goes to one of your reviewers with the second of the recording where it happened.

How do we prove to a regulator what happened on a call?

Murphy keeps every balance change, agreement, payment and handover on one customer record, each linked to the call it came from. Each entry names the agent settings and the policy version in force at the time, and the manager who approved it. Murphy also records the reasoning behind every decision. When a regulator asks who authorised something and why, both answers are there.