Murphy Launches with Bold Vision for AI-Driven Debt Servicing
Emerging from stealth mode, Murphy has announced a $15 million funding round to transform the outdated world of AI debt servicing. The round includes pre-seed and seed capital and will fund Murphy’s expansion across Europe and the United States.
Led by Northzone, the round also includes participation from ElevenLabs, Lakestar, Seedcamp, and returning investors. This investment shows strong belief in Murphy’s mission to challenge traditional debt recovery models with next-gen artificial intelligence.
Targeting a Legacy Industry with AI Debt Servicing
Debt servicing remains a $300+ billion global industry, yet many businesses still rely on outdated methods. These include manual call centers and generic engagement approaches that often result in low recovery rates and high operational costs.
Murphy intends to change that using AI debt servicing to replace legacy systems with intelligent, autonomous technology. This transition is not only more efficient, but also helps maintain regulatory compliance while improving debtor experience.
By using AI to personalize outreach, Murphy allows companies to scale their recovery operations and connect with debtors in a respectful manner.
How Murphy’s AI Platform Works
Murphy’s solution integrates advanced voice technology, omnichannel communication, and behavioral personalization. This enables 24/7, multilingual conversations—supporting over 30 languages—tailored to the individual needs of every debtor.
Rather than rely on humans making phone calls, Murphy’s AI agents engage debtors through channels like voice, text, email, and messaging apps. This leads to faster resolution, improved compliance, and better overall recovery performance.
According to Murphy CEO Borja Sole, “We’re building AI-native infrastructure that replaces traditional call centers with a scalable, multilingual solution.”
Early Adoption and Traction Across Key Sectors
Already, Murphy has attracted attention from leading banks, telecom companies, utility providers, and mobility firms throughout Europe. These businesses recognize the value of AI in reducing costs and recovering more with less friction.
Because the platform is fully autonomous, it can handle high volumes without added overhead—making it an ideal solution for enterprises managing non-performing loans (NPLs).
Murphy’s technology also ensures a more humane and respectful approach to debt recovery, which is crucial in today’s consumer-first economy.
Investors See Enormous Disruption Potential
Northzone partner Jeppe Zink explained their enthusiasm by saying, “Debt servicing is a massive, under-innovated industry ripe for disruption.”
He continued, “We looked across many verticals where AI could transform business, and AI debt servicing stood out instantly.”
Zink believes Murphy’s rapid development and the founding team’s deep expertise uniquely position them to revolutionize how companies manage and collect debt.
The Future of Debt Recovery Is AI-Driven
With its $15 million in funding, Murphy now has the momentum to scale its operations, improve product features, and expand across new geographies.
This marks a pivotal moment for AI debt servicing, especially as regulators demand better practices and consumers expect more transparency.
Murphy’s rise underscores a broader fintech trend: applying AI not just for efficiency, but for ethical automation that delivers value across stakeholders.
Conclusion: A New Era for Debt Servicing Begins
Murphy’s debut proves that AI debt servicing is no longer a theory—it’s a practical, scalable solution ready for global deployment.
As the company grows, it will likely set a new standard for what debt collection can and should look like in the AI era.