In the collections world, achieving a high Right Party Contact (RPC) rate is critical. It directly impacts the effectiveness of collection campaigns, recovery rates, and the overall efficiency of the debt recovery process. But as any collections professional knows, reaching the right person at the right time isn’t always easy. That’s why improving your RPC is a game-changer.
Let’s explore why RPC rates are falling and how Datacultr is turning things around with smart, tech-driven tools that enhance RPC and transform skip tracing and device financing collections.
Why Are RPC Rates Falling in Debt Collection?
The industry average RPC rate is approximately 26%, whereas 23% of call centers have an RPC rate below 20%. Several factors contribute to the decline:
- Outdated or incorrect phone numbers
- Users ignoring unknown calls
- Increased use of call blockers
- Mobile-first borrowers without fixed addresses
- Shorter attention spans and changing communication preferences
These hurdles make it harder than ever for collections teams to reach the right customer, at the right time, via the right channel.
RPC: The Foundation of Smarter Debt Collection Strategy
You can’t improve your RPC if your contact information is incorrect or outdated. That’s why focusing on RPC is crucial. It means ensuring you have the right mobile number, the correct location, and an active communication channel with the customer.
When your RPC strategy is strong, agents can reach the right person in fewer attempts, which increases success rates and reduces operational costs.
Datacultr’s Tools to Boost RPC
Datacultr’s digital risk management and debt collections platform is designed to maximize RPC, even in low-trust, high-risk markets. Whether you’re in device financing or other loan products, these tools can dramatically improve your RPC metrics:
DigiCall: On-Device Calling Infrastructure
Tired of chasing outdated phone numbers? DigiCall changes the game by reaching borrowers directly on their devices, even when offline. There’s no need to worry about number changes or call rejections.
Unlike traditional calls, DigiCall doesn’t rely on mobile numbers and cannot be blocked or ignored. This ensures guaranteed delivery and uninterrupted communication every time. Smart AI-driven routing ensures calls are made at optimal times, increasing the chances of successful RPC.
MOD (Mobile Number On Demand): Active Mobile Number Verification
MOD automatically fetches and verifies the active mobile number on the borrower’s device. This ensures collectors always have the most recent number, even if the borrower changes their SIM.
LOD (Location On Demand): Geo-verification for Accurate Reach
Fetches the borrower’s real-time location with consent. Especially valuable in skip tracing and improving right-party contacts for hard-to-reach customers.
These tools are designed to address one of the biggest reasons for poor RPC: unverified or outdated borrower information.
What Kind of Impact Are We Talking About?
According to internal studies, lenders using the Datacultr platform saw an improvement in RPC by up to 250% within the first three months of deployment.
The combination of DigiCall, MOD, LOD, and other features helped reduce the number of failed calls by 76-80%, significantly improving RPC rates and lowering operational costs.
In markets like India, Nigeria, and Vietnam, where mobile number churn and borrower movement are common, the platform’s smart RPC features have led to up to a 12X increase in payment promises collected via RPC.
Reinvent Your Debt Collection Strategy With Us
If you’re struggling with low RPC rates, don’t just focus on call scripts or hiring more agents.
Start by improving your RPC via smart AI-driven products like DigiCall, Promise to Pay, MOD, and LOD can transform your collections strategy by ensuring you always connect with the right person, at the right time, through the right channel.
It’s time to move beyond blind dialing and adopt a smart, data-driven approach to boosting RPC. In collections, contact is king, and RPC is how you win.
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