Fund Vantage (FV) is Mahati’s flagship AI-powered accounts receivable and collections platform engineered to turn outstanding balances into accelerated cash flow. Built for scale and rapid time-to-market, FV’s plug-and-play integration and predictive intelligence drive smarter collection actions—delivering faster recovery, lower operational effort, and measurable ROI from day one.
Fund Vantage | Workers’ Compensation Bad Debt: Scale & Exposure
Healthcare – High patient responsibility and delayed reimbursements drive elevated bad debt.
Retail & Consumer Credit – Inflation and unsecured lending increase delinquencies and charge-offs.
Financial Services – Credit cards and subprime loans show higher default risk under tight credit conditions.
Insurance Industries – Complex policy structures, long-tail claims, and premium audit disputes increase receivables risk.
Real Estate & Construction – Interest-rate sensitivity and project delays impact repayment reliability.
Industry-Wise Bad Debt Risk Landscape
Fund Vantage | Why Traditional WC Collections Fail
- 30% – first 30 days (lack of early risk prioritization)
- 20% – 31 to 60 days (no adaptive threshold strategy)
- 10% – 61 to 90 days (limited intervention signals)
- 5% – greater than 90 days (absence of predictive escalation)
Fund Vantage | AI-Driven WC Bad Debt Prevention Model
- Predict: AI scores payment propensity, fraud likelihood, and payroll anomalies.
- Follow Up: Dynamic premium terms, early audits, and claim pre-investigation.
- Collect: Risk-based A/R prioritization and automated outreach.
- Closed-loop learning continuously improves outcomes over time.
AI Closed-Loop Model
Fund Vantage | Business Impact & ROI
Manual processes are prone to human error, causing inaccuracies and extended timelines—issues that can be effectively avoided through automation.
Collections lifecycle can be tracked using a workflow-based system, providing clear visibility and status at any point in time.
Cloud-hosted platforms offer a distinct advantage by eliminating infrastructure overhead and improving scalability.
Fund Vantage | FV Value Proposition Overlay (WC Bad Debt)
Unified Collections Intelligence
A single, centralized platform managing the entire collections lifecycle end to end
Plug-and-Play Integration
Seamless, standards-compliant integration with core systems and leading third-party vendors, including Guidewire (GW)
AI Collection Agency Scoring
Algorithms measure collection effectiveness based on amount recovered relative to days outstanding
Faster Time to Value
Immediate value realization starting Day 1 through rapid deployment and minimal onboarding effort
Proactive Cash Flow Control
Defined buyouts and agreement structures enable tighter, more predictable cash-flow management
Functional Capabilities – Administrative & Background Processes
Mahati Systems®, Gen Vantage®, Fund Vantage© | Sources: ITIL, Gartner, IBM, ISO/IEC
Comprehensive Intelligent Platforms Shaping The Next Generation Of Digital Enterprises
Non-Functional Capabilities – Observability & Monitoring
Mahati Systems®, Gen Vantage®, Fund Vantage© | Sources: CNCF, Gartner, Datadog, Google SRE
Comprehensive Intelligent Platforms Shaping The Next Generation Of Digital Enterprises
Non-Functional Capabilities – Authentication & Authorization
Mahati Systems®, Gen Vantage®, Fund Vantage© | Sources: NIST, OAuth/OpenID, Gartner, Auth0
Comprehensive Intelligent Platforms Shaping The Next Generation Of Digital Enterprises
Non-Functional Capabilities – Event-Driven Integrations
Mahati Systems®, Gen Vantage®, Fund Vantage© | Sources: AWS, CNCF, Gartner, Event-Driven Architecture Research
Comprehensive Intelligent Platforms Shaping The Next Generation Of Digital Enterprises
Compliance Capabilities – Regulatory Compliance
Mahati Systems®, Gen Vantage®, Fund Vantage© | Sources: AWS, CNCF, Gartner, Event-Driven Architecture Research
Comprehensive Intelligent Platforms Shaping The Next Generation Of Digital Enterprises
Test Automation – Engineering Excellence
Automation‑first architecture: Start with clear functional workflows, automate layered validation, augment with AI — ship faster, safer, smarter.
Mahati Systems®, Gen Vantage®, Fund Vantage© | Sources: AWS, CNCF, Gartner, Event-Driven Architecture Research
Comprehensive Intelligent Platforms Shaping The Next Generation Of Digital Enterprises
Fund Vantage | Our Promise
Straightened Data Model
A unified, normalized data foundation that eliminates fragmentation and drives accurate, real-time collections decisions.
Commodity Integrations
Pre-built integrations with payments, CRMs, and agencies to accelerate onboarding and reduce custom engineering.
Decoupled Processes & Notifications
Clean separation of workflows and communications enables precise, context-aware outreach at scale.
Unattended Intelligent Execution
Always-on automation that prioritizes, executes, and reconciles collection actions without human intervention.
Fund Vantage | Our Approach
Unified Data & Ingestion Layer
We consolidate internal, external, and balance data into a standardized platform using contract-driven ingestion.
Event-Driven Process Orchestration
An events bus and internal process engine asynchronously coordinate workflows and integrations for scalable, resilient collections.
Actionable Collections Experience
A purpose-built collections UI delivers dashboards and role-based views for collectors, agencies, finance teams, and managers.
Intelligent Decision Augmentation
Embedded AI drives strategies, scores, and thresholds to augment decisions while preserving managerial control.
Fund Vantage | Our Solution
Mahati Systems®, Gen Vantage®, Fund Vantage© | Sources: AWS, CNCF, Gartner, Event-Driven Architecture Research
Comprehensive Intelligent Platforms Shaping The Next Generation Of Digital Enterprises
End-to-End Collections Quality Assurance
Workflow-Driven Test Foundation
End-to-end collection workflows—from Past Due through Write-Off—are exercised using inputs from core accounting integrations, covering all outstanding balance and exception scenarios.
Deterministic, Time-Aware Data Modeling
Standardized entity relationships and lifecycle positioning enable repeatable, time-dimension testing, validating balance progression, aging behavior, and predictive model outcomes over time.
Agentic Automation with Guardrails
Agentic AI executes complex, multi-step collection scenarios within configurable controls, supporting both AI-recommended thresholds and human-approved threshold overrides.
AI & Strategy Validation Standards
Testing encompasses AI efficiency scoring and AI-suggested collection strategies, ensuring recommendations remain aligned with defined collection frameworks and business rules.
Rule-Aligned Test Governance
Test inputs are derived from the same rules that drive live system behavior, enabling proactive identification of risk through what-if scenarios when collection policies change.
Business-Relevant Outcome Dashboards
Test results are presented per collection stage with likelihood vs. impact scoring, enabling prioritization of business-critical vs. non-critical issues
Predictable and Consistent System Behavior
Clear Delineation of Human vs. AI-Agent Responsibilities
Actionable Insights for Continuous Product Improvement
Quantified Overall System Reliability Score
Workshops/Pre-Sales/POC
Mahati Systems®, Gen Vantage®, Fund Vantage© | Sources: AWS, CNCF, Gartner, Event-Driven Architecture Research
Comprehensive Intelligent Platforms Shaping The Next Generation Of Digital Enterprises