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Adira Finance Deploys AI Rudder Voice Agent to Cut Late Payments and Boost Customer Engagement
On July 1, 2026, Adira Finance announced a partnership with Singapore‑based AI Rudder to automate its loan‑payment reminder calls. The move is part of a broader digital‑transformation push aimed at reducing late payments and improving the borrower experience.
The new system replaces a manual call‑center workforce with an AI Voice Agent that can converse in the borrower’s preferred language. Powered by natural‑language processing, speech‑recognition, and machine‑learning algorithms, the agent delivers two‑way conversations that nudge customers to meet repayment deadlines. According to the press release, the technology can handle millions of calls per day, allowing Adira Finance to scale outreach without hiring additional staff.
Adira Finance’s initiative follows a strategy that already includes a Sharia‑compliant financing unit, the e‑commerce platform dicicilaja.com, vehicle marketplace momobil.id, motorcycle marketplace momotor.id, and the mobile app adiraku. The company, listed on the Indonesia Stock Exchange since 2004 and majority‑owned by Bank Danamon, has been leveraging technology to boost operational efficiency and customer satisfaction.
“We must keep moving forward with innovation, technology, and continuous improvement,” said Nyoman Riyanto, Head of Desk Collection at Adira Finance. “The synergy between Adira Finance’s Collections function and AI Rudder is critical, as AI will continue to play a key role in enhancing our customer experience.” Riyanto also noted plans to adopt large‑language‑model (LLM)‑powered solutions in the future to personalize interactions even further.
AI Rudder, headquartered in Singapore, has built a reputation for voice‑AI solutions that combine text‑to‑speech and speech‑to‑text capabilities. The company stresses that its deployments are designed to “empower people and improve human performance—not replace people.” Michael Ignetius Kauw, Country Manager of AI Rudder Indonesia, said the partnership demonstrates how long‑term collaboration can deliver both operational cost savings and higher customer satisfaction.
The partnership reflects a growing trend in Indonesia’s financial services sector, where firms increasingly turn to AI to automate routine tasks and mitigate the risk of late payments. By automating reminder calls, Adira Finance expects to lower the incidence of missed payments and reduce the workload on its collections team.
While the press release does not disclose specific performance metrics, it notes that the AI Voice Agent has already helped the company “reduce operational costs significantly.” The technology’s ability to process calls in natural, human‑like conversation is intended to increase borrower compliance and improve the overall customer experience.
Looking ahead, Adira Finance and AI Rudder plan to continue innovating together. The company has indicated that future upgrades will incorporate LLMs to enable even more natural and personalized conversations. The partnership also signals a broader commitment to digital transformation across Indonesia’s fintech ecosystem.
In summary, Adira Finance’s adoption of AI Rudder’s voice‑AI platform marks a concrete step toward automating collections, reducing late payments, and enhancing customer engagement. The collaboration illustrates how AI can be integrated into existing financial operations to improve efficiency and service quality, while also setting the stage for further AI‑driven innovations in the coming months.
The new system replaces a manual call‑center workforce with an AI Voice Agent that can converse in the borrower’s preferred language. Powered by natural‑language processing, speech‑recognition, and machine‑learning algorithms, the agent delivers two‑way conversations that nudge customers to meet repayment deadlines. According to the press release, the technology can handle millions of calls per day, allowing Adira Finance to scale outreach without hiring additional staff.
Adira Finance’s initiative follows a strategy that already includes a Sharia‑compliant financing unit, the e‑commerce platform dicicilaja.com, vehicle marketplace momobil.id, motorcycle marketplace momotor.id, and the mobile app adiraku. The company, listed on the Indonesia Stock Exchange since 2004 and majority‑owned by Bank Danamon, has been leveraging technology to boost operational efficiency and customer satisfaction.
“We must keep moving forward with innovation, technology, and continuous improvement,” said Nyoman Riyanto, Head of Desk Collection at Adira Finance. “The synergy between Adira Finance’s Collections function and AI Rudder is critical, as AI will continue to play a key role in enhancing our customer experience.” Riyanto also noted plans to adopt large‑language‑model (LLM)‑powered solutions in the future to personalize interactions even further.
AI Rudder, headquartered in Singapore, has built a reputation for voice‑AI solutions that combine text‑to‑speech and speech‑to‑text capabilities. The company stresses that its deployments are designed to “empower people and improve human performance—not replace people.” Michael Ignetius Kauw, Country Manager of AI Rudder Indonesia, said the partnership demonstrates how long‑term collaboration can deliver both operational cost savings and higher customer satisfaction.
The partnership reflects a growing trend in Indonesia’s financial services sector, where firms increasingly turn to AI to automate routine tasks and mitigate the risk of late payments. By automating reminder calls, Adira Finance expects to lower the incidence of missed payments and reduce the workload on its collections team.
While the press release does not disclose specific performance metrics, it notes that the AI Voice Agent has already helped the company “reduce operational costs significantly.” The technology’s ability to process calls in natural, human‑like conversation is intended to increase borrower compliance and improve the overall customer experience.
Looking ahead, Adira Finance and AI Rudder plan to continue innovating together. The company has indicated that future upgrades will incorporate LLMs to enable even more natural and personalized conversations. The partnership also signals a broader commitment to digital transformation across Indonesia’s fintech ecosystem.
In summary, Adira Finance’s adoption of AI Rudder’s voice‑AI platform marks a concrete step toward automating collections, reducing late payments, and enhancing customer engagement. The collaboration illustrates how AI can be integrated into existing financial operations to improve efficiency and service quality, while also setting the stage for further AI‑driven innovations in the coming months.
