spocto - A Yubi Company

Founded in 2017 and acquired by Yubi (formerly CredAvenue) in 2022, spocto has established itself as a leading global technology company specializing in debt collection and recovery. The company leverages artificial intelligence, machine learning, and a digital-first approach to transform the traditional collections process. Its SaaS-based platform helps banks, non-banking financial companies (NBFCs), and fintech firms to improve collection efficiencies, reduce loan-loss provisions, and enhance customer experience through personalized and non-intrusive communication across the entire credit lifecycle.