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To create such a typology, Fintech Pair Finance, which specializes in debt collection, analyzed data from more than 400,000 debt collection cases and the corresponding debtor communication. This resulted in a customer typology study that defines a total of 16 different debtor types. (€)

"Typically, these are customers who are in a difficult financial situation and tend to reject any payment solution," Minou Ghaffari tells WELT AM SONNTAG. She heads the behavioral research department at debt collection provider PAIR Finance.

"Our message comes via SMS, WhatsApp and e-mail and lands on a wearable, smartphone or tablet. This finally puts an end to the age of confrontational, monotonous mass communication by reminder letter or telephone, and communication takes place at eye level," clarifies Stricker. According to Stricker, all outbound customer communication takes place via AI. (Print article)