KredosAI has developed a SaaS platform for learning, experimenting and personalizing engagement that enables service providers to improve their payment outcomes from subscribers, at scale. The platform combines our adaptive multivariate reinforcement AI with real-world behavioral economic solutions to create individualized experiences to improve the behavior of late paying consumers.  We deliver massive improvement by sending the right message, with the right call to action at the right time through the right channel for your subscribers.  Our approach delivers superior outcomes when compared to legacy systems because we dynamically consume the learnings of what works and for whom through our powerful and proprietary AI model. We engage both Prepaid and Postpaid subscribers to improve payment behavior, reduce suspends and bad debt from involuntary churn.