CreditNirvana launches ORCA and CognifAI Assist with 200+ agents for collections orchestration and voice-plus-co-browsing lending assistance

What changed

CreditNirvana, a Perfios company, launched ORCA and CognifAI Assist on October 6. ORCA coordinates more than 200 specialized AI agents across digital, voice, calling, field and legal collections channels, continuously selecting and adapting account-level actions within lender-defined constraints and human-in-the-loop controls. CognifAI Assist combines multilingual voice assistance with secure visual co-browsing for re-KYC, origination and servicing. The company claims 40% lower collection cost, a 30% higher connect rate and 60–70% autonomous collection journeys; these are vendor-reported metrics.