AKUVO Introduces a New Predictive Data Model, Marking a New Era in Intelligent Collections

The Severity of Delinquency model gives financial institutions account-level forecasts that help collections teams focus effort where it matters most—with more models to follow 

Malvern, Pa. — AKUVO, the collections technology company purpose-built for banks, credit unions, and fintechs, today announced the launch of its Severity of Delinquency model—the company’s next proprietary data product and its continuing investment in predictive intelligence for collections. 

In early-stage delinquency, the accounts quietly headed for serious loss are nearly indistinguishable from those likely to self-cure. Trained on AKUVO’s anonymized data lake and then applied in the institution’s secured proprietary database, the Severity of Delinquency model exposes the hidden risk in every portfolio: accounts rolling past 30 days into deeper delinquency, where the highest losses concentrate and targeted collector intervention matters most. The result: effort that aligns with risk, not queue position. 

“What makes this model possible is the scale of data behind it,” said Mike Orsomarso, VP, Analytics and Intelligence, AKUVO. “We’ve trained it on billions of anonymized delinquency events across our data lake—and then we run that trained model against each institution’s own portfolio within their own secure environment. That combination of breadth and specificity is what turns a prediction into something a collections team can actually act on.” 

The Severity of Delinquency model is embedded directly into the AKUVO Platform, where scores surface in workflows, drive playbook segmentation and escalation strategies, and update continuously as new account data is processed. The result is a more focused queue, acting on severity at the point of contact, not after the fact. Predictive intelligence becomes part of how collections teams already work—not a separate analytical exercise. 

The launch demonstrates AKUVO’s ability to translate its collections data lake into proprietary scoring products for banks, credit unions, and fintechs. AKUVO’s models are designed to be both accurate and explainable, combining advanced machine learning with business rules so institutions can understand and trust what they’re acting on. The Severity of Delinquency model is the first in a series of data products AKUVO is releasing this year, purpose-built for the collections context. 

“This is the beginning of something larger,” Jay Mossman, Founder and CEO, AKUVO, said. “Collections has always been data-rich but insight-poor. The Severity of Delinquency model is a great step in changing that—and we have more scores and triggers coming each month throughout the year, each one built on the same foundation: trained on collections-specific data, embedded in the Platform, and designed to make the next decision easier.” 

The Severity of Delinquency model is available now to AKUVO Platform customers. 

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About AKUVO    

AKUVO is a leading provider of cloud-native collections software solutions that elevate how banks, credit unions, and fintechs collect and manage their portfolios via its products. Whether it is through their stand-alone virtual collector, or its next-generation collections platform, AKUVO provides the technology and data necessary to increase collections efficiency, provide a digital consumer experience, reduce staff costs, anticipate delinquencies, and provide insight into future credit decisions. AKUVO delivers a digital future for collections and account performance management with a visionary, behavior-based approach while taking full advantage of emerging technologies such as artificial intelligence, natural language processing, and machine learning. To learn more, visit www.akuvo.com.