spoctoX spoctoX
spoctoX
  • Products
    SpoctoX

    The platform

    Improving customer contactibility

    Developer Support

    Improving customer contactibility

    Insights

    Spocto Score

    AI backed score on basis of behavioural data

    Recommendation Guru

    Machine-recommended dynamic allocation engine

    Connect

    Improving customer contactibility

    AI Products

    YuVoice

    Human like, outcome driven multilingual conversational bot

    YuVin

    AI-driven personalised video messaging for borrowers

    YuCI

    Real-time transcription & AI-driven risk monitoring for borrower conversations

    Workflow

    Smart Settle

    Gamifying settlement journeys

    Smart Legal

    All things legal sorted in one-user friendly dashboard

    Governance

    Vigil

    Compliance Management Redefined

    Execution

    Automated Collection

    Fully automated collection strategy with Agentic AI

    Smart Collect

    Omni Channel Engagement across all digital channels

    Call Plus

    Perfect agent-customer pairing

    Field Plus

    Tech-enabled field collection support

    Pay Dues

    Empowering borrowers by streamlining payment journeys

  • About Us
    • About spocto
    • About Yubi
    • Media Centre
  • Career
  • Insights
    • Case Studies
    • Blog
  • Industries
    • Agriculture
    • Mudra
    • Retail
    • Insurance
    • Business
Book a Demo Grievances

Create personalized videos for borrowers with YuVin

India’s first AI-driven conversational video bot, built specifically for debt collections. Create dynamic videos personalised for every borrower - improving understanding, engagement and repayments.

    TRUSTED BY

    Bank of Baroda
    HDFC Bank
    Union Bank
    TATA Motors
    Bajaj Finserv
    Bank of Baroda
    HDFC Bank
    Union Bank
    TATA Motors
    Bajaj Finserv

    The YuVin Advantage

    Why Yuvin

    Dynamic, Tailored Videos at Scale

    AI-generated videos that adapt content uniquely to each borrower’s repayment journey.

    • Leverage proprietary AI to create realistic, culturally relevant personas for authentic communication.
    • Adapts messaging and tone based on borrower behaviour and repayment history for maximum relevance.

    Engage Borrowers Visually

    Simplifies complex repayment instructions, creating clarity and driving immediate borrower action.

    • Replaces confusing text-based communication with engaging, easy-to-understand visual narratives.
    • Fosters a sense of empathy and trust through face-to-face style communication.

    Instant Scalability with Cost Savings

    Leverages automation for high-volume, personalized video communication at significantly reduced operational costs.

    • Enables rapid deployment of campaigns for various debt stages with minimal setup time.
    • Reduces agent and field-based operational costs through automated, high-volume outreach.

    Discover the Future of Collection

    Discover how YuVin transforms debt collection through personalized borrower videos — enhancing understanding, engagement, and repayment rates.

    15%+

    improvement in borrower repayments

    30%

    Increase in campaign effectiveness

    20+

    Languages Supported

    Connect Effortlessly Across Every Channel

    SMS

    Quick video links for instant borrower access.


    WhatsApp

    Secure, interactive video messages via trusted messaging apps.


    Email

    Engaging visual emails increasing borrower response rates.

    Experience Higher Engagement and Better Results with YuVin

    YuVin videos achieve measurable improvements

    Incorrect contact details icon
    Higher Borrower Engagement

    Up to a 15% increase in borrower responsiveness through personalized and interactive communication.

    Language mismatches icon
    Improved Clarity on Repayment

    Over 20% better understanding of repayment terms, reducing confusion and increasing compliance.

    Language mismatches icon
    Lower Operational Costs

    Significantly reduced costs compared to traditional collection methods, making recovery more efficient.

    Culturally Relevant Conversations That Resonate

    YuVin isn’t just multilingual—it’s culturally intelligent. It tailors videos to borrower demographics, regions, and traditions, using localized storytelling to build trust and boost engagement.

    Region-Specific Customization

    Tailors videos to match local customs, traditions, and sensitivities.

    Festival & Occasion Awareness

    Engages borrowers by seamlessly integrating relevant local festivals, holidays, and events.

    Colloquial and Dialect Adaptation

    Adapts content to regional dialects, idioms, and expressions, making conversations authentic and relatable.

    Bhaasa has transformed our debt collection process. This empathetic approach not only improved success rates but also maintained compliance and borrower trust at scale.

    Ramsunder B.
    Mr. Ramsunder B.

    Vice president, FinTech & Strategy

    TVS Logo

    Another great testimonial about Bhaasa's amazing service and features.

    Ramsunder B.
    Mr. Ramsunder B.

    Vice president, FinTech & Strategy

    TVS Logo

    Transform Your Debt Collection

    Enhance efficiency with intelligent communication solutions.

    Unlock the Power of AI Voice
    Unlock the Power of AI Voice

    Engage borrowers at scale in their preferred language

    Learn More
    Ensure Seamless Borrower Conversations
    Ensure Seamless Borrower Conversations

    Human-like interactions that drive higher resolution rates

    Learn More
    Achieve Results with Precision
    Achieve Results with Precision

    Outcome-based flows that adapt to each borrower's response

    Learn More

    FAQs

    Find answers to your most pressing questions about our services and how we can help.

    YuVin is an AI-powered personalized video tool for debt collections, offering a human-like, engaging alternative to traditional methods.

    It uses AI to create realistic Indian personas and customizes videos to each borrower’s language and dialect for empathetic connections.

    YuVin drives results by enhancing borrower understanding and engagement through personalized video, leading to improved resolution rates and operational efficiency.

    Yes, it’s scalable across all debt buckets, from early reminders to NPAs and written-off cases.

    YuVin allows for a one-time implementation to support multiple business applications, significantly reducing customer service costs through automated yet personalized communications.
    Get A Free YuVin Demo

    Transform Debt Collection
    with Spocto X

    Automate, personalize and simplify your collections with precision

    Book a Demo

    Address

    Unit 603 & 604, 6th Floor, B&C Wing, Reliable Tech Park, Thane – Belapur Road,
    Gavate Wadi, MIDC, Airoli, Navi Mumbai, Maharashtra – 400708, India

    Contact

    +91 22 20886445

    hello@spocto.com

    Quick links
    • Products
    • About Us
    • Careers
    • Insights
    • Industries
    Legal
    • Legal & Compliance
    • Privacy
    • Grievance Policy
    • CSR Policy
    • CSR Committee
    • Terms of Use

    All Rights Reserved spocto 2025