5 Industries

Built for the industries that can't afford to lose revenue

Generic collections software doesn't know the difference between a 30 DPD telecom subscriber and an FDCPA-regulated credit card debt. M360 does.

Telecom

Structured recovery for wireless and fiber operators

Telecom operators deal with high subscriber volumes and thin recovery windows. A customer 90 days past due is at port-out risk. M360's telecom playbook is built around those realities.

The challenge

  • Agents manually sort Excel exports by DPD — no priority logic
  • Port-out risk signals are buried and missed
  • Suspension cadences are inconsistent across agents

M360's approach

  • 4 DPD queues: 1–30, 31–60, 61–90, 90+ — each with its own cadence
  • Port-out risk flag surfaces accounts before disconnect window
  • Suspension prevention: auto-flag accounts with pending reconnect orders
  • Multi-line account rollup: one agent view for all lines under one account
Install the Telecom template in 2 clicks

Key metrics

4

DPD Queues

30 / 60 / 90 / 90+ days

72hr

Port-out Window

Flag before disconnect

3x

Cadence channels

Call, SMS, Email

2 min

Template install

Pick, install, go live

Template includes

4 priority queues Port-out risk flag Suspension cadence 7 dispositions KPI targets
Banking

Compliant dunning for banks and credit institutions

Banks operating under regulated collections frameworks need precise dunning windows. M360's banking template enforces the right cadence per DPD bucket automatically — with built-in compliance flags.

The challenge

  • Agents don't enforce contact frequency rules — compliance risk
  • Settlement offers are inconsistent and not tracked
  • Cease-communication requests are logged in spreadsheets — not enforced

M360's approach

  • FDCPA dunning windows enforced by the queue — not by the agent's memory
  • 4 DPD buckets: Early (1–30), Mid (31–60), Late (61–120), Charge-off (120+)
  • Settlement disposition with structured offer amounts and approval flags
  • Cease-communication flag: account removed from all outbound queues immediately
Install the Banking template in 2 clicks

Key metrics

4

DPD Buckets

Early / Mid / Late / Charge-off

FDCPA

Compliant cadences

Enforced by queue logic

Auto

Cease-comm flag

Removes from all queues

Tracked

Settlement offers

Structured & approved

Template includes

4 DPD buckets FDCPA cadences Settlement flow Cease-comm disposition KPI targets
Healthcare

Patient balance recovery with HIPAA-safe workflows

Healthcare revenue cycle is uniquely sensitive. Patient communication must be empathetic, HIPAA-safe, and timed around discharge events — not just balance age.

The challenge

  • Calling patients too soon post-discharge creates complaints
  • PHI exposed in unstructured agent notes
  • Readmission-risk patients not flagged for special handling

M360's approach

  • Post-discharge queue: contact window opens 14 days after discharge
  • HIPAA-safe dispositions: structured fields only, no free-text PHI exposure
  • Readmission-risk flag: auto-route to soft-touch queue with empathy scripts
  • Payment plan setup: structured installments logged and tracked per patient
Install the Healthcare template in 2 clicks

Key metrics

14d

Contact window

Post-discharge grace period

HIPAA

Safe dispositions

No PHI in free-text notes

3

Queue types

Standard, soft-touch, plan

Flagged

Readmission risk

Auto-routed to soft-touch

Template includes

3 queues Post-discharge cadence HIPAA-safe fields Payment plan flow KPI targets
Utilities

Pre-due reminders and field dispatch avoidance

Utility disconnects are expensive for everyone — the customer and the operator. M360's utilities template focuses on early intervention to avoid field dispatch costs entirely.

The challenge

  • No pre-due outreach — customers only hear from collections after disconnect
  • Field dispatch costs $80–$200 per visit — recoverable with a single call
  • Reconnect queue is an afterthought — handled same as new delinquency

M360's approach

  • Pre-due reminder queue: contact 5 days before billing due date
  • Field dispatch flag: surfaces accounts with pending field orders — urgent escalation
  • Reconnect queue: separate post-payment flow to confirm service restoration
  • Hardship flag: identify customers eligible for payment plans before disconnect
Install the Utilities template in 2 clicks

Key metrics

5d

Pre-due reminder

Before billing due date

$150

Avg dispatch cost

Avoidable with one call

Auto

Field dispatch flag

Urgent escalation queue

Tracked

Hardship flags

Payment plan eligible

Template includes

Pre-due queue Dispatch avoidance Reconnect queue Hardship flow KPI targets
SaaS

Full customer lifecycle from onboarding to renewal

SaaS collections isn't just chasing failed payments. It's the entire post-sale lifecycle: onboarding check-ins, QBRs, renewal outreach, and churn-risk intervention — all in one queue system.

The challenge

  • Failed payment handling is reactive — churn happens before anyone notices
  • Renewals are not tracked systematically — CSMs rely on memory
  • Churn-risk signals are scattered across tools

M360's approach

  • Onboarding check-in queue: day 7 and day 30 touchpoints auto-queued
  • QBR queue: surfaced 30 days before contract anniversary
  • Renewal queue: 90, 60, 30 days pre-expiry with structured close actions
  • Churn-risk queue: login drop + failed payment triggers high-priority intervention
Install the SaaS template in 2 clicks

Key metrics

4

Lifecycle stages

Onboard → QBR → Renew → Churn

Day 7

First check-in

Auto-queued post-signup

90d

Renewal head-start

Pre-expiry queue window

Auto

Churn risk flag

Login drop + payment signal

Template includes

Onboarding queue QBR cadence Renewal flow Churn-risk queue KPI targets