Itmam charges a percentage of successfully recovered amounts. This aligns our incentives with your recovery goals. You pay only when we collect. Specific rates vary by portfolio size, aging profile, and industry.

The AI follows a configurable retry schedule within compliance limits. If a borrower cannot be reached after the configured attempts, the account is flagged for manual review and placed in your escalation queue.

Most clients are live within days. Upload your portfolio data, configure your collection parameters, and AI begins calling within 48 hours of configuration.

CSV upload through our secure portal for immediate start. REST API for real-time sync. Direct ERP integration (SAP, Oracle) for enterprise clients. We handle the mapping.

Itmam includes a configurable Ramadan mode with adjusted calling hours, softer conversation tone, and post-iftar scheduling. Religious holiday quiet periods are enforced at the system level and cannot be overridden.

Itmam is aligned with CBUAE consumer protection guidelines, SAMA regulations, ISO 27001 information security standards, SOC 2 Type II, and Saudi PDPL data protection requirements.

Yes. Itmam is designed as a hybrid service. The AI handles routine collections calls. Your team handles escalations, complex negotiations, and relationship-sensitive accounts. The CRM provides seamless handoff.

Our Growth tier is designed for companies with $5M+ in receivables. Below this threshold, the economics of AI-powered collections may not justify the investment.