What Happens When Lenders Get Real Enforcement
Numbers from live portfolios — NBFCs, telecoms, fintechs, and retailers who moved from chasing payments to automatically enforcing them. No projections. Actual outcomes.
60%
Avg. default reduction
500K+
Devices under management
50+
Active partners
The One That Changed How We Think About Recovery
From 34% to 79% Recovery Rate — Without Hiring Anyone New
A mid-size NBFC with 40,000+ financed devices was running collections entirely through an outbound call centre. Default rate was climbing, recovery had stagnated, and adding headcount wasn't moving the numbers. They went live with Loksiz in 8 weeks.
Borrowers who stopped paying knew the only consequence was a phone call — one they could ignore. The call centre was at capacity. Adding agents wasn't improving recovery, it was just adding cost. The portfolio was 40,000 devices and growing, with no scalable enforcement mechanism.
"The difference isn't just the default rate — it's when we find out. Before Loksiz, we were dealing with accounts 30–60 days into delinquency. Now we're acting in hours. That changes the recovery economics completely."
— Head of Collections, Mid-Size NBFCResults by Industry
Telecom Operator Cuts Postpaid NPA by 58% in Six Months
A regional telecom operator financing handsets on postpaid plans was seeing NPA climb as the portfolio scaled. Device locking gave them enforcement that calls never could.
Fintech Lender Reduces Collections Operational Cost by 40%
An app-based BNPL lender automated their entire first-contact and escalation layer, reserving human agents for exception cases only — without touching the portfolio size.
Retailer Network Launches Installment Program With Built-In Risk Controls
A distributor with 200+ outlets wanted installment plans but had no risk infrastructure. Loksiz gave them origination-to-recovery coverage from day one of launch.
NBFC Scales Device Portfolio 5x With Flat Operations Cost
Growing 5x in 18 months would normally require growing the ops team alongside it. Automation meant the portfolio scaled while cost per loan actually fell.
Telecom Expands to Tier-2 Cities With Zero Additional Credit Risk
Expanding into markets with thinner credit data is high-risk without enforcement. Device locking made the expansion viable even with limited applicant credit history.
Embedded Device Financing Launch — Live in 6 Weeks, Profitable in 4 Months
A fintech adding device financing to their lending stack went from integration to first disbursement in 6 weeks using the Loksiz REST API. Profitable by month four.
What Clients Actually Say
We'd tried two other platforms before Loksiz. The difference is that Loksiz actually enforces — the others just tracked. Tracking tells you who isn't paying. Enforcement gets you paid.
Our collections team went from spending 80% of their time on first-contact calls to handling only escalated cases. The routine work is fully automated. The team is smaller and more effective.
We were worried about borrower experience. What we actually saw was borrowers paying faster because they understood the consequence was real — not a threat, just how the product works.
Questions About These Results
Honest answers about what these numbers mean and how they were achieved.
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