Kuruka Co., Ltd. Introduces the Digital Infrastructure for Dunning and Collection 'Debt Collection Robot'
ROBOT PAYMENT's digital infrastructure for dunning and collection, 'Debt Collection Robot', was introduced to Kuruka, a car leasing service. It significantly reduces the psychological burden and manual workload of field staff.
📋 Article Processing Timeline
- 📰 Published: April 23, 2026 at 17:40
- 🔍 Collected: April 23, 2026 at 09:01
- 🤖 AI Analyzed: April 23, 2026 at 09:20 (18 min after Collected)
ROBOT PAYMENT Inc. (Headquarters: Shibuya-ku, Tokyo; Representative Director and Executive Officer CEO: Kenya Kiyohisa; Securities Code: 4374; hereinafter 'our company'), which smoothens corporate money flows and promotes new value creation, announces that the digital infrastructure for dunning and collection, 'Debt Collection Robot', has been introduced to Kuruka Co., Ltd. (Headquarters: Chiyoda-ku, Tokyo; Representative Director and President CEO: Yukio Hayakawa; hereinafter 'Kuruka'), which operates automobile leasing services.
With this implementation, Kuruka aims to build an 'aggressive back-office' structure by significantly reducing the psychological burden on staff caused by person-dependent dunning operations and analog work hours, redirecting the saved resources to data analysis and marketing.
Kuruka Co., Ltd. introduces the digital infrastructure for dunning and collection 'Debt Collection Robot'
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 multi-faceted dunning methods such as email, SMS, and IVR, allowing free design and analysis of optimal dunning scenarios according to attributes and claim amounts. By automating collection tasks that tend to become person-dependent, it frees staff from stressful work and provides an environment where they can focus on advanced communication design. It raises the collection standard and supports corporate cash flow.
Debt Collection Robot: https://www.robotpayment.co.jp/lan/collectrobo/
Background and Challenges of Implementation
The new car leasing (subscription) service 'Kuruka' with the lowest price guarantee developed by Kuruka continues to grow as a revolutionary car leasing service where you can ride a new car cheaply every month. However, behind the scenes, it faced challenges regarding the 'payment collection process' unique to the automobile industry.
Psychological burden on staff (mental load)
For field staff who are 'automobile professionals but not financial professionals', the task of urging payment by phone to customers they have never met face-to-face became a strong psychological stress.
'Negative man-hours' due to analog work
Every month, 5 to 7 hours of resources were deprived by visually confirming deposits and creating dunning lists, putting pressure on core tasks that they originally needed to focus on.
Delays in management decision-making
The opacity of unpredictable deposit timing became an 'invisible wall', obstructing prompt decision-making by the management team.
Decisive Factors for Introducing 'Debt Collection Robot'
Among many services, it was evaluated and introduced because it possessed 'flexibility and analytical power as an infrastructure for dunning and collection', not just a mere business efficiency tool.
Automation through diverse approach methods
The ability to combine multiple channels such as email, SMS, and auto-call (automated voice) to test and execute optimal methods while observing customer reactions.
Flexibility of 'Dunning Scenarios' according to customer attributes
The ability to freely set scenarios tailored to customer attributes, from gentle reminders to strong demands, and maximize the collection rate through repeated testing.
Transforming the often-negative contact point of dunning into 'comfortable communication' through technology. Through the 'Debt Collection Robot', ROBOT PAYMENT will fully support Kuruka's challenges and business growth.
About Kuruka Co., Ltd.
Kuruka operates the new car subscription service 'Kuruka' specializing in short-term leases. It provides the latest car models at the industry's lowest standard with 0 yen down payment/bonus payment and a fixed monthly fee. With its unique high residual value setting and online-completed contract flow, it proposes a new style where you can easily switch to a new car in a cycle of 3 years or less. Through the optimization of automobile distribution, it aims for a society where anyone can realize their ideal car life.
https://newcar.shop/
Please check here for details on the Debt Collection Robot.
https://www.robotpayment.co.jp/lan/collectrobo/
Interview details on this matter (note)
The background of the introduction and the real voices from the 'dunning frontline' that Kuruka was facing are published in the note below. Please take a look as well.
note: Transforming dunning from 'psychological debt' to 'engine of business growth'. The aggressive back office envisioned by Kuruka co-created with the Debt Collection Robot
https://note.com/noterobotpayment/n/n665589b5d8d3
ROBOT PAYMENT Inc. Company Profile
Founded in 2000. Centered on payment services for corporations, it provides financial solutions such as subscription management and billing/receivables management systems. The annual payment transaction volume exceeds 200 billion yen, widely used from large corporations to sole proprietors. Heading towards the vision 'Make Japan strong again with payment infrastructure that frees commercial transactions'
With this implementation, Kuruka aims to build an 'aggressive back-office' structure by significantly reducing the psychological burden on staff caused by person-dependent dunning operations and analog work hours, redirecting the saved resources to data analysis and marketing.
Kuruka Co., Ltd. introduces the digital infrastructure for dunning and collection 'Debt Collection Robot'
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 multi-faceted dunning methods such as email, SMS, and IVR, allowing free design and analysis of optimal dunning scenarios according to attributes and claim amounts. By automating collection tasks that tend to become person-dependent, it frees staff from stressful work and provides an environment where they can focus on advanced communication design. It raises the collection standard and supports corporate cash flow.
Debt Collection Robot: https://www.robotpayment.co.jp/lan/collectrobo/
Background and Challenges of Implementation
The new car leasing (subscription) service 'Kuruka' with the lowest price guarantee developed by Kuruka continues to grow as a revolutionary car leasing service where you can ride a new car cheaply every month. However, behind the scenes, it faced challenges regarding the 'payment collection process' unique to the automobile industry.
Psychological burden on staff (mental load)
For field staff who are 'automobile professionals but not financial professionals', the task of urging payment by phone to customers they have never met face-to-face became a strong psychological stress.
'Negative man-hours' due to analog work
Every month, 5 to 7 hours of resources were deprived by visually confirming deposits and creating dunning lists, putting pressure on core tasks that they originally needed to focus on.
Delays in management decision-making
The opacity of unpredictable deposit timing became an 'invisible wall', obstructing prompt decision-making by the management team.
Decisive Factors for Introducing 'Debt Collection Robot'
Among many services, it was evaluated and introduced because it possessed 'flexibility and analytical power as an infrastructure for dunning and collection', not just a mere business efficiency tool.
Automation through diverse approach methods
The ability to combine multiple channels such as email, SMS, and auto-call (automated voice) to test and execute optimal methods while observing customer reactions.
Flexibility of 'Dunning Scenarios' according to customer attributes
The ability to freely set scenarios tailored to customer attributes, from gentle reminders to strong demands, and maximize the collection rate through repeated testing.
Transforming the often-negative contact point of dunning into 'comfortable communication' through technology. Through the 'Debt Collection Robot', ROBOT PAYMENT will fully support Kuruka's challenges and business growth.
About Kuruka Co., Ltd.
Kuruka operates the new car subscription service 'Kuruka' specializing in short-term leases. It provides the latest car models at the industry's lowest standard with 0 yen down payment/bonus payment and a fixed monthly fee. With its unique high residual value setting and online-completed contract flow, it proposes a new style where you can easily switch to a new car in a cycle of 3 years or less. Through the optimization of automobile distribution, it aims for a society where anyone can realize their ideal car life.
https://newcar.shop/
Please check here for details on the Debt Collection Robot.
https://www.robotpayment.co.jp/lan/collectrobo/
Interview details on this matter (note)
The background of the introduction and the real voices from the 'dunning frontline' that Kuruka was facing are published in the note below. Please take a look as well.
note: Transforming dunning from 'psychological debt' to 'engine of business growth'. The aggressive back office envisioned by Kuruka co-created with the Debt Collection Robot
https://note.com/noterobotpayment/n/n665589b5d8d3
ROBOT PAYMENT Inc. Company Profile
Founded in 2000. Centered on payment services for corporations, it provides financial solutions such as subscription management and billing/receivables management systems. The annual payment transaction volume exceeds 200 billion yen, widely used from large corporations to sole proprietors. Heading towards the vision 'Make Japan strong again with payment infrastructure that frees commercial transactions'