New Car Lease 'Kuruca' Introduces 'Debt Collection Robo,' a Digital Infrastructure for Dunning and Collection

Kuruca Inc., which operates the new car lease service 'Kuruca' (Headquarters: Chiyoda-ku, Tokyo; Representative Director and President: Yukio Hayakawa), announced the introduction of 'Debt Collection Robo,' a digital infrastructure for dunning and collection (provided by ROBOT PAYMENT Inc.).

This introduction automates debt collection operations, which previously involved significant psychological burden and extensive man-hours for staff. By reallocating freed resources to data analysis and customer experience improvement, Kuruca aims to build a 'proactive back office' system.

■ Background | The 'Wall' of Collection Operations Faced by New Car Leasing

Kuruca's new car lease service has continued to grow due to its convenience, offering fixed monthly payments and complete online processing. However, behind this growth, 'debt collection operations' unique to the automotive lease industry had become a major management challenge.

・Psychological Burden on Staff

For field staff, who are 'automotive professionals, not financial professionals,' dunning operations, which involve prompting unfamiliar customers for payments over the phone, were accompanied by strong psychological stress.

・'Negative Man-hours' Due to Analog Work

Each month, 5 to 7 hours of resources were consumed just for payment confirmation and creating dunning lists, putting pressure on core tasks (product improvement, customer support, marketing) that should have been prioritized.

・Delayed Management Decisions Due to Unclear Payments

The 'invisible wall' of unpredictable payment timing hindered the management team's swift decision-making. This also created the risk of missing opportunities for growth investments.

■ Solution | A Paradigm Shift: 'Transforming Dunning into Marketing'

Therefore, Kuruca chose an approach that redefines dunning and collection as 'infrastructure,' rather than merely a business efficiency tool. The introduced 'Debt Collection Robo' is a digital infrastructure that combines various dunning methods such as email, SMS, and IVR (interactive voice response), allowing for flexible design and testing of optimal scenarios based on customer attributes and debt amounts.

By redesigning dunning, which tends to be a negative touchpoint, into 'pleasant communication,' Kuruca aims not only to improve collection rates but also to build a 'proactive back office' system that feeds customer relationship data back into marketing.

■ Kuruca's Next Stage Envisioned with the Full Introduction of 'Debt Collection Robo'

・Freeing Dunning Staff from 'Stressful Work' to Focus on Customer Experience Design

Technology resolves the structure where automotive professionals were exhausted by financial collection, a task outside their original area of expertise. Freed resources will be concentrated on designing customers' car life experiences and improving service quality.

・Converting Collection Data to Marketing for Cancellation Prevention and Replacement Promotion

Customer response data accumulated during the dunning process becomes material for behavioral analysis. Based on payment patterns and response rates, early detection of cancellation risks and timely proposals for replacements (promoting trade-ins) will drive data-driven customer retention measures.

・Accelerating Management Decisions by Visualizing Payment Forecasts

By eliminating the uncertainty of 'when payments will be received,' the management team's cash flow prediction accuracy will improve. This will establish a system that allows for faster decision-making for growth, such as new car procurement, recruitment, and marketing investments.

■ Future Outlook

Kuruca will accelerate DX promotion in back-office operations to achieve its vision of 'optimizing car distribution to realize a society where everyone can achieve their ideal car life.' The next goal is to return resources previously spent on dunning operations to data utilization and service improvement, providing customers with an even better car life experience.

◾️ Digital Infrastructure for Dunning and Collection 'Debt Collection Robo'

'Debt Collection Robo' is a digital infrastructure for dunning and collection that supports business growth. It covers various dunning methods such as email, SMS, and IVR, allowing for flexible design and analysis of optimal dunning scenarios based on attributes and debt amounts. By automating collection operations that tend to be individualized, it frees staff from stressful tasks and provides an environment where they can focus on advanced communication design. It raises collection standards and supports corporate cash flow.

Debt Collection Robo: https://www.robotpayment.co.jp/lan/collectrobo/

■ Overview of New Car Lease 'Kuruca'

New car lease 'Kuruca' is a car lease (subscription) service with a lowest price guarantee, available with zero down payment, zero bonus payments, and no need for vehicle inspection or automobile tax, all for a fixed monthly fee.

<3 Reasons Why Kuruca is Chosen>

・01 | No Down Payment or Bonus Payment

Kuruca's new car lease allows you to get a popular 'new car' affordably by significantly reducing initial costs!

・02 | Taxes and Expenses Included

Fixed monthly fee includes taxes and various expenses. You can use your new car with peace of mind, without worrying about extra costs.

・03 | Short-Term Lease