Kompato Case Study: AI Agency Beats Human Agencies by 70%

A consumer lender and Kompato walk through a four-agency champion-challenger on a charged-off personal loan portfolio, where the AI-run agency reached 1.12% cumulative liquidation by month 13, about 70% above the other agencies, with its curve still separating. Covers why the lender chose a full-agency model over a software integration, the slow first six months, new-money share late in the life cycle, and escalation rates. Part 1 of 3 from the Collections Executive Community (CEC) session on June 9, 2026. The CEC is a vendor-free peer forum for senior collections and accounts receivable management executives, hosted by Scott Hamilton of ARM Tech Advisors. https://armtechadvisors.com