OwnlyPulse by RBS — Customer Account & Payment Lifecycle
The installment accounting engine that manages the entire post-sale lifecycle. OwnlyPulse handles every payment event from agreement creation through final payoff or account resolution.
Key Features
Payment Schedule Management — flexible installment cadences with configurable terms
Automated Reminders — SMS and email notifications before and after due dates
Delinquency Tracking — aging buckets, past-due alerts, and escalation workflows
Collections Workflows — graduated collection sequences that preserve customer goodwill
AI Risk Scoring powered by OwnlyAI — flag high-risk accounts before delinquency occurs
Balance Tracking — real-time account balances across all active agreements
Financial Intelligence — portfolio-level reporting on payments, defaults, and recovery
Benefits
Reduce delinquency rates through proactive, automated outreach
Improve cash flow predictability with structured payment schedules
Keep customer relationships intact through empathetic, brand-aligned collections
Eliminate percentage-of-sale fees charged by third-party BNPL providers