~/portfolio /active /kleva
Kleva
Agentes de IA que cobran deudas en toda LatAm con 25% más de recuperación y 70% menos de costo. Cumplen la normativa en seis países desde el primer día.
La cobranza de deudas es uno de los flujos de trabajo más grandes de los servicios financieros en LatAm, y todavía corre en los mismos call centers que usaba en 1995. Kleva reemplaza al cobrador humano con una IA que llama, envía mensajes de texto, correos y chatea (maneja disputas, promesas de pago, documentación) de principio a fin hasta la resolución. 25% más recuperado. 70% menos de costo.
Por qué invertí
Industria aburrida, TAM monstruoso. Cada banco, cada fintech, cada proveedor de BNPL en LatAm tiene un problema de cobranza. El comprador es el CFO, no el CTO. El proceso de venta es directo: “recuperamos 25% más para [cliente de referencia]”. Los números hacen el trabajo.
El cumplimiento normativo como foso, país por país. Kleva cumple la normativa en México, Brasil, Colombia, Guatemala, Ecuador y Perú, cada uno con regulaciones distintas sobre frecuencia de contacto, guiones y escalamiento. Esa capa regulatoria es justo el tipo de foso que creo que de verdad se sostiene en la IA en LatAm. Cada país suma costo de cambio.
El tipo correcto de reemplazo. Este es un trabajo inhumano: guionado y emocionalmente agotador. Reemplazarlo con IA es la jugada canónica de “que los humanos hagan cosas humanas”. Los pocos humanos que quedan en el proceso se vuelven gerentes y manejadores de excepciones, que es el mejor trabajo.
La apuesta
La IA apenas ha tocado los servicios financieros en LatAm. Kleva eligió el flujo de trabajo con el ROI más claro y la economía unitaria más limpia. Si mantienen su curva de costo por recuperación bajando, se convierten en infraestructura.
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