Whitepapers, research, and what our customers say.
Original analysis on AI in late-stage auto loan collections — plus the perspective of the lenders and credit unions putting Cara to work in production.
Our latest publication.
AI for Collections: Consistency. Empathy. Guardrails.
We make the case that AI in collections isn’t a future bet — it’s already happening. This paper lays out the framework: why consistency beats best-day human performance, why empathy is now an architectural decision, and why guardrails are the foundation, not a feature bolted on after the fact.
Download PDFRead, download, share.
Each paper is a focused take on one part of the problem we work on every day. Free to download, no form required.
AI for Collections
Consistency, empathy, and guardrails — the three pillars of an AI collections agent, and why the shift is already underway.
Download PDFThe Credit Union Guide to Auto Loan Delinquency
An NCUA call-report-data-driven view of where auto delinquency is hiding in U.S. credit union portfolios — and what the data says about the next 18 months.
In progressReg F for Credit Unions: What’s Different
The compliance landscape for CU collections operations is its own animal. We unpack the differences from bank-side Reg F implementation and what that means for AI deployment.
In progressWhat our customers say.
The lenders and credit unions running Cara in production — in their own words.
First customer testimonials publishing soon.
First customer testimonials publishing soon.
First customer testimonials publishing soon.
We’re onboarding lenders and credit unions through 2026. Get in early and help shape the playbook.
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