All kinds of people face debt collection. Upon returning from a backpacking tour in South America, one of the Pair Finance team members found 12 letters from a debt collection agency in his postbox. The online shop he had ordered from had his email address and phone number, but no email or text message was sent to inform him of the overdue payment. Now he had to face legal proceedings. Pair Finance introduces a digital, data-driven solution to the debt collection space. The Pair Finance debt collection engine learns from customer behavior and offers the best solution for debt collection - not only improving recovery rates but also offering customers the best experience possible.