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Microsoft × Respaid

Zero complaints.
3.2× recovery.
Thousands of touchpoints.

How Microsoft's Global Treasury deployed AI-powered collections across hundreds of enterprise accounts—and got better results with zero customer friction.

Zero
Customer complaints
Across thousands of automated touchpoints
3.2×
Recovery rate
vs. traditional agency methods
+130%
Contact enrichment
AI discovers decision-makers
44
US states reached
Behavioral intelligence per region
"When generative AI could pull information from so many data sources and present an output far superior and far quicker than any human—that's when I realized this is a seismic shift."
Neil Doyle
Neil Doyle Group Finance Manager, Microsoft GCFS
View profile →

Deploying AI where mistakes go straight to marketing

Collections is one of the riskiest places to deploy AI. A single hallucination, a wrong tone, an awkward phrase—and the complaint goes straight to your marketing team. For a company like Microsoft, that risk is multiplied across hundreds of enterprise accounts.

The question wasn't if AI could help—it was whether AI could be trusted not to damage customer relationships.


AI that adapts to every account

Respaid deployed a multi-channel AI engine across Microsoft's entire portfolio:

  • Thousands of personalized emails, timed by behavioral intelligence
  • AI phone calls that adapt tone to each region
  • Contact enrichment—AI discovers new decision-makers, expanding reach by 130%
  • Automated dispute resolution—86% resolved, 40% with zero human intervention

Before and after AI

Before
  • Monthly reports from agencies
  • Generic outreach to AP departments
  • Manual dispute resolution
  • Weeks to see first results
After (with Respaid)
  • Real-time notifications on every event
  • AI-personalized multi-channel outreach
  • Automated dispute resolution
  • Results in days, not months

Every batch gets smarter

The AI learns from every interaction. Each batch outperforms the last.

Batch 1: Baseline
Multi-channel email + portal
1.3×
Batch 2: + AI Calls
Voice AI reaches decision-makers
3.2×
Batch 3: + Enrichment
AI discovers contacts + resolves disputes
5×+
Next: + Invoices
Invoice access eliminates #1 dispute

When debtors push back, AI resolves it

86%
of all disputes resolved

Nearly 40% resolved automatically by AI—no human intervention

Without invoice access With invoice access
Resolution rate 86% 95%+ (projected)
Auto-resolved by AI ~40% 80%+ (projected)
Avg. resolution time 48 hours Under 1 hour

44 states. Each one different.

The AI adapts tone, timing, and channel per region. Click any state for details.

WA
MT
ND
MN
WI
MI
ME
OR
ID
SD
IA
IL
IN
OH
PA
NY
VT
NH
CA
NV
WY
NE
MO
KY
WV
VA
MD
NJ
CT
MA
AZ
UT
CO
KS
AR
TN
NC
SC
DE
RI
NM
OK
LA
MS
AL
GA
FL
TX
HI
AK
Region
South Northeast West Coast Midwest Mountain/Other
Opacity = engagement level
LowHigh

South

Empathy-first

62% open rate · Phone converts 2.3x higher

Northeast

Direct & efficient

53% open rate · Email-first, no small talk

West Coast

Portal-first

68% portal use · Self-service dominant

Midwest

Relationship-first

1.8x phone convert · Steady follow-ups


"I like the tone of communications. There's a respectful tone... not one of them complained about the tone or the engagement."
Neil Doyle
Neil Doyle Group Finance Manager, Microsoft GCFS
View profile →

Microsoft GCFS manages one of the most complex financial operations on the planet—hundreds of thousands of customers, $245B+ in annual revenue, collections across dozens of countries.

AI-powered collections
for enterprise finance teams

Respaid helps Fortune 500 companies recover overdue invoices with AI—without risking customer relationships.

SOC 2 Type II CCPA/CPRA B2B Only