Webio

Webio is a conversational AI specialist for the credit, collections, and payments industry. The company was founded in Dublin, Ireland, in 2016 by Cormac O'Neill (CEO), Paul Sweeney (Chief Strategy Officer), and Mark Oppermann (Chief Revenue & Marketing Officer). The founders, friends and colleagues with extensive experience in telecommunications, retail, and financial services, identified a future in applying conversational AI to enterprise customer communications.

The company's core offering is a cloud-native platform that automates and manages customer conversations across digital messaging channels like SMS and WhatsApp. It utilizes a 'blended AI' approach, where automated chatbots handle the majority of interactions, with the ability to escalate to live agents when necessary. This model is designed to make difficult financial conversations easier and more empathetic, particularly for in-debt or vulnerable customers. The platform's business model is Software as a Service (SaaS), generating revenue through client subscriptions.

A key feature is its Custom Language Model (CLM), which is specifically trained on the language and workflows of the credit and collections industry. This specialization allows the AI to accurately identify customer intent and vulnerability, automate over 75% of conversations, and integrate real-time data for personalized interactions. The system is designed to be secure and compliant, holding ISO 27001 certification. In May 2025, Webio was acquired by Aryza, a global provider of automation software for the credit lifecycle, to integrate its AI capabilities across Aryza's product suite.

Keywords: conversational AI, credit and collections, debt collection software, customer engagement platform, financial services, automated chatbots, digital messaging, payment solutions, SaaS, fintech, natural language processing, blended AI, customer communication, vulnerability identification, ISO 27001, automated payments, AI agents, debt recovery, digital transformation