Soft collections that stay inside DORA.
For retail and consumer banks running outbound recovery in Polish, Russian and Ukrainian. Built for the regulator first, the agent second.
+38%
recovery rate vs human baseline
−71%
cost per contact
< 0.4%
compliance flags / 10k calls
8 min
median resolution
Anatomy
The shape of one call.
Eight turns, 2:22 median, with one CRM lookup and one tool call. The proportions below are accurate to a real production trace — caller turns are coloured grey, agent turns are accented.
00:002:22
Calistro01Identify · confirm DOB and last-four account18s
Calistro02State purpose · cite balance and statement date14s
Caller03Asks for terms / payment options22s
Calistro04tool.call billing.plans · returns 3 offers8s
Calistro05Quote plan A · soft-commit to payment date36s
Caller06Negotiates / accepts / asks for callback28s
Calistro07tool.call payment.link · SMS + email confirm4s
Calistro08Close · log to collections system12s
Versus
What it replaces.
SolutionCostSLALanguagesConcur.Notes
In-house team€2.40 / contact08–18 onlyPL only60~3.2% / 10k
BPO vendor€1.10 / contact08–22PL · UK200~5.4% / 10k
Calistro€0.32 / contact24/7PL · UK · RU · ENunlimited< 0.4% / 10k
Ready-made
Meet Karol.
The banking template, in your workspace in one click. Edit the prompt, swap the voice, ship to your number — usually inside an hour.
Clone Karol into StudioKarol● template
Soft collections · outbound
Voice
neural/pl-PL/m1
Tone
patient · firm
Guardrails
DORA · NIS2NBP DNC registryRecording consent enforcedSentiment-gated escalationAudit log → your SIEM
Tools wired
⌗ billing.accountFetch⌗ billing.plans⌗ payment.link⌗ transfer.warm
Compliance
Built for the audit, not around it.
DORA operational resilience, NIS2 reporting hooks, NBP debt-collection registry. Calistro's call ledger is the audit log — every prompt, tool call, sentiment score and human escalation is captured with cryptographic integrity and a 7-year retention default.
DORA
NIS2
NBP-DNC
GDPR
ISO 27001
SOC 2 II
↳ Customer · Halo Bank · consumer credit · Warsaw
“Calistro replaced our 22-FTE soft-collections team during a hiring freeze. Recovery is up 38% and the regulator response has been the same word every quarter: "fine."”
— Marek Wójcik · Head of Collections
Read the full case study38%
recovery rate uplift in Q1