PIE: Prodigal Intelligence Engine

Launch video

PIE (Prodigal Intelligence Engine) is the data integration and intelligence layer that powers our specialized AI agents for consumer finance.

The Problem We're Solving

Agentic AI for consumer finance is a core part of our offering. We built AI solutions for the industry long before the AI boom, gaining a deep understanding of its regulations and company-specific challenges. With the rapid evolution of GenAI, we’ve focused on building AI agents tailored for this space.

We realized that for any vertical AI agent to succeed, companies need a foundational platform that unifies data silos, structures varied data formats, and enables real-time inferencing. That’s why we built PIE.

A specialized platform like PIE is crucial for AI agents in consumer finance because they must:

• Understand business logic across systems, products, customer interactions, and company policies
• Execute actions based on insights derived from unified data
• Navigate complex federal, state, and company-specific compliance requirements

Consumer finance lenders and collections companies operate with fragmented tech stacks - CRMs, Lending Management Systems, payment processors, dialers, email and SMS softwares. This results in siloed data, leading to lost insights and limited automation capabilities. Without unified data, AI agents remain one-dimensional and fail to reach their full potential.

What PIE Does

At its core, PIE is a robust data integration and intelligence platform that:

• Connects to all of a company’s existing systems
• Normalizes and structures disparate data formats into a unified schema
• Enriches internal data with relevant external sources
• Maintains real-time synchronization across all systems
• Generates inferences and insights that are directly usable by applications and AI agents
• Provides a standardized intelligence layer for AI applications

Why This Matters

This unified data foundation enables our AI agents (ProAgent, ScoreGenie, and more) to access complete context for every customer interaction. With PIE, an AI agent handling a collections call can simultaneously understand:

• Account delinquency history
• Previous payment patterns
• Cross-channel interaction records
• Demographic information
• Communication preferences
• Regulatory requirements
• Propensity to pay scoring
• Affinity for settlements, offers, and discounts
• Channel affinity

The result: Consumer finance AI agents built on PIE have full situational awareness, enabling personalized interactions that drive results and seamlessly automate complex workflows across systems.

How It Works

We've built PIE as a modular system with:

• Flexible connectors for all major systems in collections and consumer finance, leveraging our deep industry expertise to build scalable integrations quickly
• A scalable data processing pipeline handling millions of records
• A secure multi-tenant architecture with strict data isolation
• Real-time bidirectional sync to maintain system integrity
• Custom inference models for consumer finance and collections-specific insights

PIE connects to all customer systems, standardizes incoming data, analyzes millions of records, and generates actionable insights that help collections specialisits and AI agents to implement novel strategies and maximize payments.