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SPECIFICTION
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Prodigal

prodigaltech.com

WebAPI
Visit prodigaltech.com
Spec score 7.4 #14 of 28 in Debt Collection Software

What it is

Prodigal is an AI platform for loan servicing and collections aimed at consumer finance companies. Its proAgent handles borrower and collections interactions over voice and digital channels, including payments, payment plans and issue routing. The Prodigal Intelligence Engine connects customer data with CRM and loan management systems, dialers, email, SMS and external data sources. Collections tools include portfolio scoring, dialer strategies, contact timing, personalized outreach and a payment portal. Consumers can use proPay to manage multiple accounts, select payment methods and combine balances into a payment plan. Prodigal also offers agent assistance and speech analytics, plus compliance guardrails based on each customer's regulatory requirements. Listed integrations include Finvi, REPAY, TCN, Twilio SendGrid, Genesys, RingCentral, NICE, Five9 and LiveVox. The company says its Genesys integrations are pre-built and pre-tested, and support agent assistance, automated notes, insights and compliance automation. The product is available via API and web. Pricing is on request; the site invites prospective customers to schedule a discovery call.

Spec sheet

Purpose
Prodigal offers AI agents, automation, and actionable insights for loan servicing and collections.Read 5 Oct 2026 · prodigaltech.com
Product
Prodigal provides an AI platform for loan servicing and collections, aimed at consumer finance companies.Read 4 Oct 2026 · prodigaltech.com
Deployment
Prodigal says its integrations can support onboarding within weeks.Read 5 Oct 2026 · prodigaltech.com
Integrations
Prodigal lists integrations including Salesforce, Genesys, Five9, RingCentral, TCN, NICE, and LiveVox.Read 5 Oct 2026 · prodigaltech.com
Security
Prodigal says it has SOC 2 Type II and PCI DSS certifications and uses AES 256 encryption in AWS.Read 5 Oct 2026 · prodigaltech.com
Support
Prodigal lists [email protected] and a phone number for contacting the company.Read 5 Oct 2026 · prodigaltech.com
Headquarters
Mountain View, California, United StatesRead 28 Sep 2026 · prodigaltech.com
Founded
2018Read 28 Sep 2026 · prodigaltech.com
Company
Prodigal says it was founded in Mountain View, California, in 2018.Read 4 Oct 2026 · prodigaltech.com
Access controls
Prodigal supports single sign-on and role-based access controls for managing user access and permissions.Read 5 Oct 2026 · prodigaltech.com
Agent assistance
Prodigal’s agent co-pilot offers real-time agent assistance and speech analytics.Read 5 Oct 2026 · prodigaltech.com
AI agent
proAgent handles payments, payment plans, and settlement offers across voice, text, and email.Read 5 Oct 2026 · prodigaltech.com
Collections features
The platform offers portfolio scoring, dialer strategies, contact timing, personalized outreach, payment plans, an AI agent, and a payment portal.Read 4 Oct 2026 · prodigaltech.com
Company history
Prodigal says it was founded in Mountain View, California, in 2018 and backed by Y Combinator.Read 5 Oct 2026 · prodigaltech.com
Compliance controls
Prodigal says it encodes each customer’s regulatory requirements into guardrails governing its AI agent’s operations.Read 4 Oct 2026 · prodigaltech.com
Genesys integration
Prodigal says its Genesys integrations are pre-built and pre-tested, and support agent assistance, automated notes, insights, and compliance automation.Read 4 Oct 2026 · prodigaltech.com
Intelligence engine
PIE connects CRM, loan management, dialer, and communications systems and structures their data for AI applications.Read 5 Oct 2026 · prodigaltech.com
Payment portal
proPay lets consumers manage multiple accounts, choose payment methods, and consolidate balances into a payment plan.Read 4 Oct 2026 · prodigaltech.com
Pricing access
The site invites visitors to schedule a solution explainer call and does not display a price on the opened page.Read 5 Oct 2026 · prodigaltech.com
Sales and pricing
The product page invites visitors to schedule a discovery call; it does not state a price.Read 4 Oct 2026 · prodigaltech.com
Security certifications
A Prodigal page for lenders displays PCI DSS and AICPA SOC compliance badges.Read 4 Oct 2026 · lender.prodigaltech.com
Target users
Prodigal describes its products as purpose-built for consumer finance, including lenders and collections businesses.Read 5 Oct 2026 · prodigaltech.com

Plans and prices

Prodigal platform Priced on request Pricing not listed; schedule a solution explainer call Read 5 Oct 2026 · prodigaltech.com

Every Prodigal plan and price →

Strong points and limits

Strong points

  • Handles borrower interactions across voice and digital channels
  • Connects to CRM, loan systems, dialers, email and SMS
  • Consumers can manage multiple accounts through proPay
  • Includes compliance guardrails and role-based access controls

Limits

  • Pricing is available on request
  • Listed platforms are API and web

Who it suits

Prodigal is aimed at consumer finance lenders and collections businesses that want tools for servicing, collections and payments. Its case management, omnichannel communications, debtor payment portal and compliance tools may suit teams with those needs.

Verdict

Prodigal combines collections automation, borrower payment tools and integrations for consumer finance operations. Prospective customers need to request pricing rather than compare a published price.

Where Specifiction places it

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