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Web Collection propels collections activities and customer service by engaging consumers to settle past due accounts via the channel of their choice. Web Collection alerts consumers to late payments through automated voice messages, SMS, e-mail, embedded in-app mobile messaging or even private social media messages when they opt in to receive these communications. The solution provides flexibility and drives interaction by allowing consumers to choose from a range of offers with the lender or third party, helping create a compelling incentive to pay sooner rather than later (or not at all). Web Collection also integrates with FICO® Debt Manager™ solution and FICO® Risk Intervention Manager to provide a true end-to-end collections platform.