New Car Leasing 'KURUKA' Introduces Dunning & Collection Digital Infrastructure 'Debt Collection Robot'
KURUKA introduced ROBOT PAYMENT's 'Debt Collection Robot' to automate payment collections. It aims to reduce staff burden, improve operational efficiency, and repurpose collection data for marketing.
📋 Article Processing Timeline
- 📰 Published: April 24, 2026 at 19:00
- 🔍 Collected: April 24, 2026 at 10:31
- 🤖 AI Analyzed: April 25, 2026 at 04:04 (17h 33m after Collected)
KURUKA Co., Ltd. (Headquarters: Chiyoda-ku, Tokyo, President and CEO: Yukio Hayakawa), which operates the new car leasing service "KURUKA", announced the introduction of the digital infrastructure for dunning and collection, "Debt Collection Robot" (provided by ROBOT PAYMENT Inc.).
With this implementation, the company automates the payment collection process, which previously required immense labor and placed a heavy psychological burden on staff. The freed-up resources will be redirected to data analysis and customer experience improvement, aiming to build a "proactive back-office" structure.
■ Background | The "Collection Process" Barrier Faced by New Car Leasing
The new car leasing service developed by KURUKA has continued to grow due to its convenience—offering flat monthly rates and a fully online process. However, behind the scenes, the "payment collection process," which is unique to the auto leasing industry, had become a major management issue.
- Psychological Burden on Staff
For field staff who are "car professionals, not financial professionals," making phone calls to urge payments from unfamiliar customers was accompanied by severe psychological stress.
- "Negative Labor Hours" Due to Analog Work
Every month, tasks like verifying payments and creating dunning lists alone consumed 5 to 7 hours of resources, squeezing out core tasks that should be focused on (product improvement, customer support, marketing).
- Delayed Management Decisions Due to Opaque Payments
The "invisible wall" of unpredictable payment timings hindered rapid decision-making by the management team. This also created a risk of missing timing for growth investments.
■ Solution | Reversal Thinking: "Turning Dunning into Marketing"
Therefore, KURUKA chose an approach that redefines dunning and collection as an "infrastructure," rather than just a simple operational efficiency tool. The newly introduced "Debt Collection Robot" is a digital infrastructure that combines multi-faceted dunning methods such as email, SMS, and IVR (automated voice), allowing users to freely design and test optimal scenarios based on customer attributes and debt amounts.
By redesigning the often-negative contact point of dunning into "comfortable communication," the company aims to not only improve collection rates but also build a "proactive back-office" that feeds customer relationship data back into marketing.
■ KURUKA's Next Stage Envisioned with the Full Rollout of "Debt Collection Robot"
- Freeing Collection Staff from "Stressful Tasks" to Design Customer Experiences
Using technology to eliminate the structural issue of car professionals exhausting themselves over financial collection—a task outside their actual area of expertise. The liberated resources will be concentrated on designing customers' car life experiences and improving service quality.
- Repurposing Collection Data for Marketing to Prevent Churn and Promote Replacements
Customer response data accumulated during the dunning process directly becomes material for behavioral analysis. Based on payment patterns and response rates, churn risks are detected early, driving data-driven customer retention measures that lead to optimal replacement proposals (promoting upgrades).
- Accelerating Management Decisions by Visualizing Payment Forecasts
By resolving the uncertainty of "not knowing when payments will arrive," the management team's cash flow forecasting accuracy improves. This establishes a system where decisions for growth—such as purchasing new cars, hiring, and marketing investments—can be made more quickly.
■ Future Outlook
Towards its vision of "aiming for a society where anyone can realize their ideal car life through the optimization of automobile distribution," KURUKA will accelerate back-office DX (Digital Transformation) promotion. The next goal is to redirect resources previously spent on collection tasks toward data utilization and service improvement, thereby providing customers with an even better car life experience.
■ Digital Infrastructure for Dunning and Collection: "Debt Collection Robot"
The "Debt Collection Robot" is a digital infrastructure for dunning and collection that supports business growth. It covers versatile dunning methods like email, SMS, and IVR, making it possible to freely design and analyze optimal dunning scenarios tailored to attributes and debt amounts. By automating collection tasks that tend to become dependent on individuals, it frees personnel from stressful work and provides an environment where they can focus on advanced communication design. It raises the baseline of collection levels and supports corporate cash flow.
Debt Collection Robot: https://www.robotpayment.co.jp/lan/collectrobo/
■ New Car Leasing "KURUKA" Overview
The new car leasing service "KURUKA" is a car leasing (subscription) service featuring a lowest price guarantee, available for a flat monthly fee with 0 yen down payment, 0 yen bonus payments, and no vehicle inspection or automobile tax required.
<3 Reasons Why KURUKA is Chosen>
- 01 | No down payment or bonus payments
KURUKA's new car lease significantly keeps initial costs down, letting you drive popular "new cars" at a great value!
- 02 | Taxes and various expenses included
A flat-rate system with taxes and expenses bundled. You can use your new car with peace of mind without worrying about extra expenses.
- 03 | Short-term lease
With this implementation, the company automates the payment collection process, which previously required immense labor and placed a heavy psychological burden on staff. The freed-up resources will be redirected to data analysis and customer experience improvement, aiming to build a "proactive back-office" structure.
■ Background | The "Collection Process" Barrier Faced by New Car Leasing
The new car leasing service developed by KURUKA has continued to grow due to its convenience—offering flat monthly rates and a fully online process. However, behind the scenes, the "payment collection process," which is unique to the auto leasing industry, had become a major management issue.
- Psychological Burden on Staff
For field staff who are "car professionals, not financial professionals," making phone calls to urge payments from unfamiliar customers was accompanied by severe psychological stress.
- "Negative Labor Hours" Due to Analog Work
Every month, tasks like verifying payments and creating dunning lists alone consumed 5 to 7 hours of resources, squeezing out core tasks that should be focused on (product improvement, customer support, marketing).
- Delayed Management Decisions Due to Opaque Payments
The "invisible wall" of unpredictable payment timings hindered rapid decision-making by the management team. This also created a risk of missing timing for growth investments.
■ Solution | Reversal Thinking: "Turning Dunning into Marketing"
Therefore, KURUKA chose an approach that redefines dunning and collection as an "infrastructure," rather than just a simple operational efficiency tool. The newly introduced "Debt Collection Robot" is a digital infrastructure that combines multi-faceted dunning methods such as email, SMS, and IVR (automated voice), allowing users to freely design and test optimal scenarios based on customer attributes and debt amounts.
By redesigning the often-negative contact point of dunning into "comfortable communication," the company aims to not only improve collection rates but also build a "proactive back-office" that feeds customer relationship data back into marketing.
■ KURUKA's Next Stage Envisioned with the Full Rollout of "Debt Collection Robot"
- Freeing Collection Staff from "Stressful Tasks" to Design Customer Experiences
Using technology to eliminate the structural issue of car professionals exhausting themselves over financial collection—a task outside their actual area of expertise. The liberated resources will be concentrated on designing customers' car life experiences and improving service quality.
- Repurposing Collection Data for Marketing to Prevent Churn and Promote Replacements
Customer response data accumulated during the dunning process directly becomes material for behavioral analysis. Based on payment patterns and response rates, churn risks are detected early, driving data-driven customer retention measures that lead to optimal replacement proposals (promoting upgrades).
- Accelerating Management Decisions by Visualizing Payment Forecasts
By resolving the uncertainty of "not knowing when payments will arrive," the management team's cash flow forecasting accuracy improves. This establishes a system where decisions for growth—such as purchasing new cars, hiring, and marketing investments—can be made more quickly.
■ Future Outlook
Towards its vision of "aiming for a society where anyone can realize their ideal car life through the optimization of automobile distribution," KURUKA will accelerate back-office DX (Digital Transformation) promotion. The next goal is to redirect resources previously spent on collection tasks toward data utilization and service improvement, thereby providing customers with an even better car life experience.
■ Digital Infrastructure for Dunning and Collection: "Debt Collection Robot"
The "Debt Collection Robot" is a digital infrastructure for dunning and collection that supports business growth. It covers versatile dunning methods like email, SMS, and IVR, making it possible to freely design and analyze optimal dunning scenarios tailored to attributes and debt amounts. By automating collection tasks that tend to become dependent on individuals, it frees personnel from stressful work and provides an environment where they can focus on advanced communication design. It raises the baseline of collection levels and supports corporate cash flow.
Debt Collection Robot: https://www.robotpayment.co.jp/lan/collectrobo/
■ New Car Leasing "KURUKA" Overview
The new car leasing service "KURUKA" is a car leasing (subscription) service featuring a lowest price guarantee, available for a flat monthly fee with 0 yen down payment, 0 yen bonus payments, and no vehicle inspection or automobile tax required.
<3 Reasons Why KURUKA is Chosen>
- 01 | No down payment or bonus payments
KURUKA's new car lease significantly keeps initial costs down, letting you drive popular "new cars" at a great value!
- 02 | Taxes and various expenses included
A flat-rate system with taxes and expenses bundled. You can use your new car with peace of mind without worrying about extra expenses.
- 03 | Short-term lease