The Itmam Platform
Four integrated systems. One managed service.
Gulf Arabic, Natively
Our AI speaks Khaleeji, understands when a borrower says "inshallah," and knows not to call during Friday prayer.
- Gulf Arabic dialect (Khaleeji)
- Arabic/English code-switching
- Cultural honorifics (Sayed/Sayeda)
- Ramadan mode
- Real-time sentiment detection
- Payment negotiation
- Human escalation with full context
Voice AI Dashboard
Your Team's Command Center
Complete borrower visibility with AI-driven prioritization and compliance scoring on every interaction.
- Borrower profiles with complete call history
- Delinquency queue with AI-driven priority
- Promise-to-pay tracker
- Escalation queue for human agents
- Call transcripts with compliance scores
- Broken promise auto-detection and re-queue
Collections CRM Dashboard
Hardcoded, Not Configured
Regulatory constraints enforced at the system level. No operator can override CBUAE calling hours or skip AI disclosure.
- CBUAE calling hours enforced at system level
- AI disclosure on every call opening
- Frequency limiting per borrower per day/week
- Real-time pressure/aggression detection
- Supervisor review queue for flagged calls
- Complete immutable audit trail
- Regulatory report generation
- Ramadan / religious holiday quiet hours
Compliance Engine Dashboard
Measure Everything That Matters
Real-time portfolio health, compliance trends, and exportable reports for your regulators.
- Recovery rates by aging bucket
- Cost per recovery attempt
- Call outcome distribution
- Compliance score trends
- Exportable reports for regulators
- Real-time portfolio health view
Reporting & Analytics Dashboard
Scale Without Limits
No infrastructure changes. No additional hiring. The same compliance guarantees at every scale.
Month 1
500
calls/day
Month 3
5,000
calls/day
Month 6
25,000
calls/day
Month 12
100,000+
calls/day
Ready to recover more?
Every percentage point of recovery improvement on a $200M portfolio generates $2M in annual benefit.