Optimized.APP is On-Time ltd’s SaaS platform that optimizes the channel, the timing, and the content of your multichannel communication. The usual use cases are optimized multichannel payment reminders, activations to digital service channels and continuous polls & surveys. In this page we focus on multichannel payment reminders. Information about other use cases can be found from www.ontime.fi.

We automate payment reminders using our multichannel communication platform.

The platform optimizes the channel, timing, and content for your reminders.

Our transaction-based pricing (aka “Pay-Per-Use”) is fully scalable depending on your usage. For that, you get everything you need to get started. You don’t need to build any integrations though you might want them after you see the actual results and have proven ROI.

Why On-Time

1. Customizable Multichannel approach

Automated fully customizable reminder sequences including outbound phone calls, SMS messages, and e-mails - some customers react to calls, and some customers react to messages. At the end of the day it’s not about the channel but making your reminders impactful.

2. Powered by data

Next-generation communication is optimized by data. Let machine learning algorithms decide on channels, timing, and content to use. Artificial Intelligence will help you continuously A/B/C test the content of your reminders.

3. No risk involved

Pay only what you use. Fully GDPR-compliant solution. Look at our references. Communication decisions are based on numbers and data. We know what we do. This is our bread and butter.

Some of our customers we’re very proud of 👇🏻

Expected results

Significant cost-savings & ROI

18 000 automated phone calls per hour + SMS messages and e-mails make our service one of the best investments you can think of. We help you to calculate ROI before and after your decision.

Decrease DSO (Days Sales Outstanding) 

Because cash in your bank account matters

Decrease credit losses

Minimize ECL (Expected Credit Losses) write-offs IFRS9 compatible way

Minimize customer churn

Based on our statistics even 30% of the payment reminders are unnecessary - bad and unoptimized communication in these situations leads to customer churn.

Works great in pre-collection and with NPL portfolios

Our service works great from friendly reminders in pre-collection all the way to maximize the yield of NPL (Non-Performing Loan) portfolios.

Continuously Optimized Results

Continuously and automatically improve your ROI and OPEX by optimizing the reminder process using our A/B/C -tools and optimization algorithms.

Customers love our approach

4,2 / 5 is the average satisfaction feedback of the reminder calls

Return on Investment >21x

On-Time Mobile Communication Platform exceeded our expectations completely. The positive customer experience was of course a significant thing, but what completely blew us away was the calculative return on investment ratio of over 21. On-Time has become a trusted partner in accounts receivable collection for us.

3 Steps to get started

Step 1 – We’ll suggest an improved payment reminder process

The first part of the process is to go through your existing payment reminder process. Based on our vast amount of data we identify how the process could be improved eg. deciding the optimal channels, timing, and content of the reminder messages.

Step 2 - Plan the messages and record the calls

Once the improvements are listed we’ll start to plan the actual messages and in some cases, record the calls.

Your time needed

~ 3 hours

Step 3 – Learn and implement the platform

Once the messages are planned and calls have been recorded, we will have a 1-hour workshop, where we show you how to use our platform by yourself. 

It is super easy! 

(This is optional, we can also deliver you a full turn-key-solution)