Smarter Collections Start with ZIVA® Collect

Built to Strategize, Automate, and Optimize Dues Collections

Energize your collection efforts with the ZIVA® Collect

ZIVA® Collect is an enterprise-grade, AI-driven collections management solution engineered for various industries. Whether it's an MSME, bank, insurance, or telecom, ZIVA® Collect can automate and simplify every stage of the collections lifecycle across all products/portfolios.

ZIVA® Collect converges collection strategy, automation, and analytics, empowering institutions to recover dues faster.

Smart Collections Simplified with ZIVA Collect

The Smart Collections Workflow

Host
Data
Run
Rules
Segment &
Strategize
Smart
Allocate
Channel
Orchestration
Insights
Hub

ZIVA

Core Capabilities that Power Collections

From early-warning signals to final recovery, ZIVA® Collect turns every decision into an intelligent
action. Predict risk, personalize strategies, and automate execution across the collections lifecycle.

Automated Business Rule Engine

Create and manage policies easily with no-code setup
Decision Scoring Models

AI-driven insights that inform recovery actions
360-degree Customer View

Complete visibility from contact to closure
Propensity to Pay

Predict payment behavior through data-driven models
Advanced Analytics and Reporting

Monitor recovery KPIs and compliance through a unified dashboard
Compliance Readiness

TRAI/DLT. ISO 27001. ISO 22301. GDPR. NESA. SAMA
Regionally Adaptable

Native Arabic UI (RTL), localized templates, currencies, and data formats.
Flexible Deployments

Cloud, on-premise, or hybrid with regional data residency
Islamic Workflows

Embedded Sharia-compliant processes and communication templates.

Accelerate Recovery
Drive Efficiency

Strategy-driven
Smart Collections

Auto-allocate accounts using real-time risk and workload intelligence.

Omni-Channel
Communications

Messaging in a single view via SMS, email, WhatsApp, voice, and chatbots.

Skip
Tracing

Locate unreachable customers via AI-assisted identity matching and bureau data channels.

Field
Collections

Geo-enabled mobile app, providing route optimization, proof of visits, and offline sync

Enterprise-Grade Security and Compliance

TRAI / DLT
SO 27001 & 22301
SAML-based sign-on

NESA
SAMA
GDPR-aligned Data Privacy

Impact that drives Results

Enforce the right
collection strategy

Optimize and deliver
end-to-end automation

Clean Architecture for
Scalability

Plug and Play
Customization

Faster Go-
Live

Ensure compliance changes
& Regulatory Readiness

Why ZIVA® Collect Stands Apart?

Core System
Connectors

Integrates seamlessly with any Core Banking, Loan Management, CRM, or Payment Infrastructure through secure APIs and adapters.

Engines &
Frameworks

Includes Business Rule Engine, Decision Scoring Models, Process Engine, Template & Consent Registry.

Operations & Security
Layer

Enterprise-grade Access Control (RBAC/ABAC), Audit Trail, Monitoring & Observability, SAST, and DAST.

Deployment &
Scalability

Flexible across Cloud, On-Premise, or Hybrid models with multi-tenant and regional data residency support.

Development & Governance Controls

Built-in Versioning, A/B Testing, Rule Simulations

Certifications

SOC 2 Type II certified, ISO 27001, ISO 22301, CMMi Level 5

Powering Performance across Key Industries

Banking & Financial Institutions

Telecom

Insurance

MSME

What Our Customers Say

What Our Customers Say

Novac's Ziva team has worked extensively and alongside to help us overcome the issues that our business has faced. A digital lending solution with seamless inner workings has opened up various avenues in the financial business.

COO, EQUITAS

As a startup in the financial domain, my company was in need of a lending solution with multi-faceted features and modules. Novac’s Ziva became the perfect fit for my company with project transparency from inception till delivery.

CTO, PIRAMAL HOUSING FINANCE

Experience the future of collections, today!

Tell us a little about yourself and we'll be in touch right away

ZIVA®

Transforming the lending industry with Ziva®

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NOVAC IMMERZ

Reimagine Your Business with Novac Immerz

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STATIM®

Simplify Your Sales and Proposals Journey

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Novac Learning

Experince the Next Level of Digital Learning

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Constantly Fueling Our Curiosity, Leading Us to Break New Grounds and Innovate Ceaselessly

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Smarter Collections Start with ZIVA® Collect

Energize your collection efforts with the ZIVA® Collect

The Smart Collections Workflow

Host Data

Run Rules

Segment & Strategize

Smart Allocate

Channel Orchestration

Insights Hub

Core Capabilities that Power Collections

Automated Business Rule Engine

Decision Scoring Models

360-degree Customer View

Propensity to Pay

Advanced Analytics and Reporting

Compliance Readiness

Regionally Adaptable

Flexible Deployments

Islamic Workflows

Accelerate RecoveryDrive Efficiency

Strategy-driven Smart Collections

Omni-Channel Communications

Skip Tracing

Field Collections

Enterprise-Grade Security and Compliance

Impact that drives Results

Enforce the right collection strategy

Optimize and deliver end-to-end automation

Clean Architecture for Scalability

Plug and Play Customization

Faster Go-Live

Ensure compliance changes & Regulatory Readiness

Why ZIVA® Collect Stands Apart?

Core System Connectors

Engines & Frameworks

Operations & Security Layer

Deployment & Scalability

Development & Governance Controls

Certifications

Powering Performance across Key Industries

Banking & Financial Institutions

Telecom

Insurance

MSME

What Our Customers Say

What Our Customers Say

COO, EQUITAS

CTO, PIRAMAL HOUSING FINANCE

Experience the future of collections, today!

Tell us a little about yourself and we'll be in touch right away

ZIVA®

NOVAC IMMERZ

STATIM®

Novac Learning

Our Thoughts

Host
Data

Run
Rules

Segment &
Strategize

Smart
Allocate

Channel
Orchestration

Insights
Hub

Accelerate Recovery
Drive Efficiency

Strategy-driven
Smart Collections

Omni-Channel
Communications

Skip
Tracing

Field
Collections

Enforce the right
collection strategy

Optimize and deliver
end-to-end automation

Clean Architecture for
Scalability

Plug and Play
Customization

Faster Go-
Live

Ensure compliance changes
& Regulatory Readiness

Core System
Connectors

Engines &
Frameworks

Operations & Security
Layer

Deployment &
Scalability