Murphy AI

Murphy AI builds AI agents for credit servicing, financial remediation and debt collection, handling sensitive customer conversations on behalf of banks, lenders, fintechs, telecommunications operators and utilities. The platform operates across five channels - voice, WhatsApp, SMS, email and customer portals - following approved rules and each customer's regulatory and communication limits, recording interactions automatically and connecting to existing CRMs, dialers and telephony platforms. Deployments are adapted to each client's policies, language and contact strategy, and can run in cloud, private cloud or on-premise environments, giving regulated organisations control over where data and infrastructure reside.

Engineering work sits at the centre of the product. The technical domains span conversational and voice AI, omnichannel messaging automation, regulatory compliance automation, CRM and telephony integration, and simulation, evaluation and regression testing conducted before anything reaches production. The engineering culture places weight on this rigour, as well as on transparency for clients operating under regulatory scrutiny and on respectful handling of conversations with customers in difficult circumstances.

Collections automation was the original focus of the platform: recovering more overdue balances while reducing cost and maintaining respectful customer interactions. The same AI agent approach has since been extended to applications, onboarding and payment workflows. Further detail is available at getmurphy.ai.