Automate Loan Settlements and Accelerate Recovery
AI-Powered NPA Settlement Automation
Automate the negotiation and settlement of Non-Performing Asset (NPA) accounts through AI-driven engagement and digital settlement workflows.
Key Challenges in NPA Settlements
Financial institutions face multiple operational challenges when managing settlement negotiations for delinquent accounts.
Manual Negotiation Processes
Settlement discussions are typically handled by agents through calls and emails, making the process slow and inconsistent.
Low Recovery Efficiency
Agents must manually negotiate settlement terms with borrowers, reducing the number of accounts that can be handled effectively.
Lack of Structured Settlement Framework
Settlement offers are often inconsistent due to the absence of standardised rules and automated workflows.
How Intelligent Settlement Works
Nuacem AI orchestrates the entire settlement journey through automated engagement and negotiation workflows.
NPA Account Identification
Identify overdue or NPA accounts based on rules like DPD, outstanding balance, and recovery priority.
Smart Customer Engagement
Notify borrowers through channels such as WhatsApp, SMS, or voice about overdue payments and settlement options.
Settlement Offer Generation
Generate settlement offers based on outstanding amount, repayment history, and predefined recovery rules.
AI-Assisted Negotiation
Review and negotiate settlement offers within approved thresholds using AI agents
Digital Payment
Secure payment gateway or link to generate for completing the settlement.
Powered by Multiple AI Agents Driving Smart Settlements
Each agent specializes in a critical stage of the settlement journey, collaborating in real time to deliver faster resolutions, seamless execution, and improved recovery outcomes.
Multilingual Borrower Engagement
50+ Languages Supported
Smart Understanding
AI Language Detection
Real-Time Translation
Intelligent Settlement Decision Engine
Automatically generate optimized settlement offers based on configurable rules such as outstanding balance, DPD, repayment history, and risk profile, ensuring consistent and data-driven recovery strategies.
End-to-End Digital Settlement Workflow
Enable borrowers to negotiate, accept settlement offers, and complete payments digitally through secure links, eliminating manual negotiation cycles and accelerating NPA resolution.
Results That Matter
Measurable Impact
Our finance clients typically achieve:
70%
Faster Settlement Resolution
50%
Less Manual Effort
40%
Higher Recovery Rates
2X
Borrower Engagement
Built for Modern Digital Lending
ICON enables banks and NBFCs to transform traditional lending operations into fully automated, AI-driven loan origination systems.
Trusted by Leading Financial Institutions
Banks, NBFCs, fintech platforms, brokerages, and asset managers rely on our intelligent engagement and automation solutions to strengthen performance and scale operations securely.
Enterprise-Grade Data Security
Financial institutions operate in highly regulated environments where data protection and privacy are critical.
Encrypted Data Transmission
Secure Document Storage
Role-Based Access Control
Full Audit trails
Start with ICON Today
Smarter decisions, faster operations, and intelligent automation across financial workflows.