Your collectors can call a few hundred borrowers a day, and regulators now check how every one of those calls sounds. Insight7 AI voice agents remind, recover and agree plans in English, Pidgin, Yoruba, Hausa and Igbo, with CBN and FCCPC conduct rules built into every call.
Get a DemoCBN consumer protection rules ban harassment and calls between 9 pm and 8 am. The FCCPC’s 2025 digital lending rules ban abusive recovery, and the NDPA limits how loan data is used. Agents keep to all three.
Agents say who is calling and why, state the amount and due date, and offer the next step. When a borrower mentions hardship or disputes the balance, collection pauses and your team gets the call with a summary.
Efe · ₦42,000 overdueCalled 10:14 · in PidginHardship
Folake picked it upCollection paused · summary attachedTo FolakeAgents call before each due date in the borrower’s language, and within minutes when a payment fails, with a fresh link through your gateway. Your loan system updates when the payment lands.
Kunle · ₦18,500 due Fri · EnglishWill pay Fri
Tunde · card declined · PidginPaid ₦12,000
Amara · ₦60,000 overdue · YorubaPlan agreed
Chidi · due tomorrow · HausaWill pay
Ngozi · ₦25,000 due Mon · IgboPaid early
Emeka · disputes the balance · EnglishTo FolakeEvery call, AI or human, is recorded, transcribed and scored for the disclosure, calling hours, tone and escalation. Complaints get an ID on the call, and Live Assist coaches your collectors against the same rules.
CollectorsNigerian rules govern how a lender collects, whoever makes the call. CBN and FCCPC rules ban harassment, set calling hours and limit third-party contact, and an AI agent must follow them like a person would. Take legal advice on your own product and licence.
The CBN Consumer Protection Regulations bar debt recovery calls and visits between 9 pm and 8 am unless the customer has agreed in advance. Insight7 lets you set a narrower window if you prefer.
Under the CBN rules, only if that person guaranteed the loan or agreed to be contacted, and only for limited information. DEON lenders must also commit that their apps won’t access users’ contacts. Insight7 agents call only the borrower and guarantors on the loan record.
Digital lenders must register with the FCCPC, get approval for outside recovery agents, and avoid abusive recovery. Fines can reach ₦100 million or 1% of annual turnover, and directors can be disqualified for up to five years.
The agent pauses collection and transfers the borrower to your team with the full call history and a summary.
The agent sends a secure link through your existing payment gateway, and your loan system is updated when the payment lands.
English, Pidgin, Yoruba, Hausa and Igbo. The agent follows the borrower if they switch language during the call.
Typical go-live is 2 weeks. You need account and payment data, your collections policy and gateway access.
