Robotic External Contact Center
   Pre-collection: notifying of an upcoming payment date
   1st-phase soft collection: 1-5 day overdue
   2nd-phase soft collection: 6-10 day overdue
   3rd-phase soft collection: 11-15 day overdue
   Third party calls
   Telemarketing: Cold and warm calling sales
   NPS: Customer Satisfaction Measurements
   HR: Calls for mass positions hiring