Lecto Platform Adds New Feature 'Credit Value Evaluation' That Uses AI to Analyze Customer and Payment Data, Assisting in Optimizing Notification Methods and Costs
Lecto Inc. has introduced 'Credit Value Evaluation' to its Lecto Platform. This AI-powered feature analyzes debtor data to optimize collection notifications and frequency, improving recovery rates and reducing costs.
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- 📰 Published: April 1, 2026 at 21:00
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Lecto Inc. (Headquarters: Shibuya-ku, Tokyo; CEO: Yutaka Koyama; hereinafter 'Lecto'), which promotes the digital transformation (DX) of debt management operations, has announced the addition of a new feature, 'Credit Value Evaluation', to the 'Lecto Platform', which enables the automation and centralized management of debt management and collection operations. This new feature uses AI to analyze customer information and payment data, assisting in the optimization of notification methods and costs.
'Credit Value Evaluation' is Lecto's proprietary evaluation feature where AI analyzes data such as customer (debtor) attributes and debt status, assigning one of three rank levels. By reviewing the frequency and method of collection notifications based on this rank, companies can optimize notification methods and frequencies while keeping costs down, thereby supporting an improved recovery rate and realizing an effective collection strategy.
Lecto has been aiming to improve the experience for both the 'collectors' and the 'debtors' by providing the 'Lecto Platform', which drives the digitization of debt management and collection—areas where analog operations have historically been the mainstream.
Through the provision of the 'Credit Value Evaluation', in addition to the conventional automation of operations, we aim to eliminate wasted costs and labor. By identifying targets that should be prioritized for contact, we support the optimization and maximization of notification strategies, providing a better experience for both the 'collectors' and the 'debtors'.
■ Credit Value Evaluation is recommended for companies with the following challenges:
- Unable to increase recovery efficiency because they do not know who to contact and how much.
- Overwhelmed by daily tasks, leaving no time for data analysis.
- The cost of collection operations is increasing in proportion to the increase in debts.
■ Use cases for Credit Value Evaluation
'Credit Value Evaluation' is Lecto's proprietary evaluation feature where AI analyzes data such as customer (debtor) attributes and debt status, assigning one of three rank levels. By reviewing the frequency and method of collection notifications based on this rank, companies can optimize notification methods and frequencies while keeping costs down, thereby supporting an improved recovery rate and realizing an effective collection strategy.
Lecto has been aiming to improve the experience for both the 'collectors' and the 'debtors' by providing the 'Lecto Platform', which drives the digitization of debt management and collection—areas where analog operations have historically been the mainstream.
Through the provision of the 'Credit Value Evaluation', in addition to the conventional automation of operations, we aim to eliminate wasted costs and labor. By identifying targets that should be prioritized for contact, we support the optimization and maximization of notification strategies, providing a better experience for both the 'collectors' and the 'debtors'.
■ Credit Value Evaluation is recommended for companies with the following challenges:
- Unable to increase recovery efficiency because they do not know who to contact and how much.
- Overwhelmed by daily tasks, leaving no time for data analysis.
- The cost of collection operations is increasing in proportion to the increase in debts.
■ Use cases for Credit Value Evaluation