January is a fintech company that applies artificial intelligence and data-driven products to debt collection. Its AI-driven platform is designed to help financial institutions streamline collections, maximise recoveries and protect customer relationships; the company reports 30% more recoveries than traditional methods. The technical work spans hyper-personalised consumer interactions, real-time automated compliance safeguards and broader automation.
The company's scale is significant. January services more than $10 billion of debt and handles more accounts than all but the top ten banks, having served more than one million consumers. Its compliance systems are built to track more than 1,000 evolving federal, state and local regulations. January has raised $12 million in Series B funding and is headquartered in New York.
A second product line addresses the borrower directly. Consumer account management tools offer flexible payment plans, settlement options and online account management, with no interest or fees. These tools hold a 4.7-star Google rating and a customer satisfaction score above 90%.
The company operates across fintech, banking, consumer finance, credit unions and lending. Its stated approach places humanity and compassion at the centre of consumer finance, with a dignity-first stance towards borrowers and an emphasis on protecting customer relationships.
