My Voice
When AI voice surpasses the traditional model
When AI voice surpasses the traditional model
Hello, this is Mia
am I speaking with Gabriela?
Challenge:
Challenge:
One of our retail clients sought to understand how MIA Voz, our virtual agent, could perform in a traditional telephone collection scenario.
To do this, we conducted a Proof of Concept (POC), comparing MIA's performance with that of two third-party agencies already hired by the client.
Solution:
Solution:
Monest presented its Artificial Intelligence, MIA VOZ, as a solution to these challenges.
About Mia Voz: Unlike traditional voice robots, MIA offers freedom to the customer, letting them choose how they want to negotiate without being trapped in rigid decision flows.
With active listening and intelligent interpretation, MIA is capable of handling thousands of service calls simultaneously, adjusting the tone and responses according to each interaction.
Conversations flow between voice and messages, depending on the debtor's preference.
Monest presented its Artificial Intelligence, MIA VOZ, as a solution to these challenges.
About Mia Voz: Unlike traditional voice robots, MIA offers freedom to the customer, letting them choose how they want to negotiate without being trapped in rigid decision flows.
With active listening and intelligent interpretation, MIA is capable of handling thousands of service calls simultaneously, adjusting the tone and responses according to each interaction.
Conversations flow between voice and messages, depending on the debtor's preference.
Result
Result
The test involved a sample of debtors with debts between 4 and 40 days overdue, totaling 70,339 calls in 30 days.
MIA Voice was applied within the same contact flow used by the collection agencies, focusing on optimizing the initial stages of the funnel
Table: Conversions and performance
07/01/2025 - 07/26/2025
Average Advisory
My Voice
Total portfolio R$
BRL 967,951,779.84
R$17,851,040.89
% Hello
4%
8%
% CPC
32%
28%
% Conversion
30%
35%
R$ Promises
R$ 5,464,123.00
R$ 162,928.59
% Effectiveness
38%
35%
$ Traded / Portfolio
0.56%
0.91%
MIA managed to double the contact rate (“hello”) and maintain the performance of the subsequent stages stable, showing consistency throughout the entire collection funnel.
These numbers reinforce that efficiency gains right at the top of the funnel have a direct impact on the final result.
Looking at it from a different perspective, regarding results and how effective the recovery was, observe the results below
Looking at it from a different perspective, regarding results and how effective the recovery was, observe the results below
Table: Effectiveness and recovery
07/01/2025 - 07/26/2025
Average Advisory
My Voice
Total portfolio R$
BRL 967,951,779.84
R$17,851,040.89
Promises R$
R$ 5,464,123.00
R$ 162,928.59
% Effectiveness R$
24%
22%
Direct Payments (BRL)
R$ 250,111.41
R$ 36,502.29
R$ Dir. rec. / Wallet
0.14%
0.20%
Indirect payments
R$ 12,725,169
R$ 1,565,590
Direct + Indirect Payments
R$ 14,032,494
R$312,283.47
R$ Rev (dir+ind) / portfolio
1.4%
9.0%
In the sum of indirect and direct payments, we have a difference of 6.4x more results from Mia Voz compared to the control group
6.4x more results
The case study proved that MIA Voz is capable of uniting efficiency and human experience at scale. Delivering higher recovery rates, lower costs, and a better experience for the debtor.
The case study proved that MIA Voz is capable of uniting efficiency and human experience at scale. Delivering higher recovery rates, lower costs, and a better experience for the debtor.
Want to know more about Mia Voz?
Want to know more about Mia Voz?
Want to know more about
Mia Voz?
A smart solution to transform credit recovery into revenue for your business
When AI voice surpasses the traditional model
My Voice
Leader in AI-driven collections
Leader in AI-driven collections
Leader in AI-driven collections
Hello, this is Mia
am I speaking with Gabriela?
07/01/2025 - 07/26/2025
Average Advisory
My Voice
Total portfolio $
BRL 967,951,779.84
R$17,851,040.89
% Hello
4%
8%
% CPC
32%
28%
% Conversion
30%
35%
R$ Promises
R$ 5,464,123.00
R$ 162,928.59
% Effectiveness
38%
35%
R$ Traded / Portfolio
0.56%
0.91%
07/01/2025 - 07/26/2025
Average Advisory
My Voice
Total portfolio R$
BRL 967,951,779.84
R$17,851,040.89
Promises R$
R$ 5,464,123.00
R$ 162,928.59
% Effectiveness R$
24%
22%
Direct Payments (BRL)
R$ 250,111.41
R$ 36,502.29
R$ Dir. rec. / Wallet
0.14%
0.20%
Indirect payments
R$ 12,725,169
R$ 1,565,590
Direct + Indirect Payments
R$ 14,032,494
$312,283.47
R$ Rev (dir+ind) / portfolio
1.4%
9.0%
Result:
The test involved a sample of debtors with debts between 4 and 40 days overdue, totaling 70,339 calls in 30 days.
MIA Voice was applied within the same contact flow used by the collection agencies, focusing on optimizing the initial stages of the funnel
Table: Conversions and performance
MIA managed to double the contact rate (“hello”) and maintain the performance of the subsequent stages stable, showing consistency throughout the entire collection funnel.
MIA Voice was applied within the same contact flow used by the collection agencies, focusing on optimizing the initial stages of the funnel
Looking from a different perspective, regarding results and how effective the recovery was, observe the results below
The case study proved that MIA Voz is capable of uniting efficiency and human experience at scale. Delivering higher recovery rates, lower costs, and a better experience for the debtor.
Table: Effectiveness and recovery
In the sum of indirect and direct payments, we have a difference of 6.4x more results from Mia Voz compared to the control group
6.4x more results
Want to know more about Mia Voz?
A smart solution to transform credit recovery into revenue for your business
Challenge:
One of our retail clients sought to understand how MIA Voz, our virtual agent, could perform in a traditional telephone collection scenario.
To do this, we conducted a Proof of Concept (POC), comparing MIA's performance with that of two third-party agencies already hired by the client.
Solution:
Monest presented its Artificial Intelligence, MIA VOZ, as a solution to these challenges.
About Mia Whats: MIA is an AI trained to negotiate debts in a humanized and adaptable way. It conducts negotiations, validating identity and sending slips or transferring to agents when necessary