~/portfolio /active /kleva
Kleva
Agentes de IA que cobram dívidas na América Latina com 25% mais recuperação a 70% menos custo. Em conformidade em seis países desde o primeiro dia.
A cobrança de dívidas é um dos maiores fluxos de trabalho dos serviços financeiros na América Latina, e ainda roda nos mesmos call centers de 1995. A Kleva substitui o cobrador humano por uma IA que liga, manda mensagem, e-mail e conversa por chat (lida com contestações, promessas de pagamento, documentação) de ponta a ponta, até a resolução. 25% a mais recuperado. 70% a menos de custo.
Why I backed it
Setor chato, TAM monstruoso. Todo banco, toda fintech, todo provedor de BNPL na América Latina tem um problema de cobrança. Quem compra é o CFO, não o CTO. O movimento de vendas é direto: “recuperamos 25% a mais para [cliente de referência]”. Os números fazem o trabalho.
Compliance como fosso, país por país. A Kleva está em conformidade no México, Brasil, Colômbia, Guatemala, Equador e Peru, cada um com regulações diferentes sobre frequência de contato, scripts e escalonamento. Essa camada regulatória é exatamente o tipo de fosso que eu acho que realmente se sustenta em IA na América Latina. Cada país adiciona custo de troca.
O tipo certo de substituição. Esse é um trabalho desumano: roteirizado e emocionalmente desgastante. Substituí-lo por IA é a jogada clássica do “deixe os humanos fazerem coisas humanas”. Os poucos humanos que sobram no processo viram gestores e tratadores de exceções, que é um trabalho melhor.
The bet
A IA mal tocou os serviços financeiros da América Latina. A Kleva escolheu o fluxo de trabalho com o ROI mais claro e a economia unitária mais limpa. Se mantiverem a curva de custo por recuperação em queda, viram infraestrutura.
$ founders
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