Domu Technology Inc.

What do they actually do

Domu sells an enterprise system that automates debt‑collection and servicing outreach for banks, insurers, and large fintechs. It runs AI agents over voice calls, two‑way SMS, email, and other messaging, plugs into enterprise dialers/CRMs, and provides dashboards, audit trails, and built‑in controls for compliance (they highlight SOC 2 Type II) (domu.ai, about).

Teams configure campaigns (including A/B tests), set escalation paths, and monitor performance. The system handles routine two‑way conversations and hands off to human agents when needed, with full logs for QA and regulatory review (domu.ai).

Domu says it is in production with multiple large financial institutions (they cite working with several top banks/insurers, including “8 of the 20 largest banks and insurance companies across the Americas”) and shares examples such as BNP Paribas improving right‑party contacts, SBS Insurance seeing a 3% lift in liquidation, and reductions in complaints per 100 calls. They also report rapidly growing live call volumes with Fortune‑level customers (domu.ai, YC company page, YC jobs).

Who are their target customer(s)

• Head of collections at a large bank or insurer: Needs to reach more debtors and close more accounts without expanding headcount, while keeping complaint rates and regulatory risk low; wants evidence of better right‑party contacts and complaint reduction (domu.ai, YC page).
• Operations lead at a large fintech or consumer lender: Must scale high‑volume outreach reliably and cheaply, preserve borrower experience, and plug automation into existing dialers/CRMs and workflows (domu.ai, YC jobs).
• IT/integration manager for enterprise telephony/CRM: Has to connect new automation to legacy dialers and data feeds without breaking compliance or uptime, and handle fast‑growing call volumes (domu.ai, YC jobs).
• Manager at a collections call center or BPO: Faces volatile staffing, variable agent performance, and costly escalations; wants automation for routine outreach with clean human handoffs and audit trails (domu.ai).
• Compliance or risk officer at a regulated lender/insurer: Needs strict logs, behavior controls, and certifications (e.g., SOC 2) to minimize complaints and prove auditability of automated interactions (about).

How would they acquire their first 10, 50, and 100 customers

• First 10: Run founder‑led 4–8 week pilots with banks/insurers already in network, integrate with their dialer/CRM, target a specific KPI (e.g., right‑party contact or complaint rate), and supply compliance evidence to ease procurement; convert pilots into referenceable case studies (domu.ai, YC page, YC jobs).
• First 50: Hire a small enterprise sales team plus solutions engineers and standardize a pilot‑to‑production playbook with prebuilt connectors and timelines; form partnerships with dialer/BPO vendors and publish compliance artifacts to speed security reviews (domu.ai, YC jobs).
• First 100: Lean on channel partners (outsourcers, dialers, resellers), productize onboarding with a self‑serve campaign studio and templates, and expand within existing accounts by portfolio and geography; keep investing in governance/certifications and standardized terms to shorten enterprise sales cycles (domu.ai, YC page).

What is the rough total addressable market

Top-down context:

Debt‑collection software is estimated at about USD ~4.9B in 2024, with adjacent call‑center AI around USD ~2.0B; outsourced collections/services spend is in the tens of billions globally (Straits Research, Grand View Research, ResearchAndMarkets).

Bottom-up calculation:

Focusing on large enterprises, if ~1,500 banks/insurers globally are targetable near‑term and average annual automation spend per customer is ~USD 300k, the bottom‑up TAM is roughly USD ~450M; expanding buyer counts or average deal sizes scales this toward low billions as channels and geographies broaden.

Assumptions:

• Counts only sizeable banks/insurers with active outbound collections operations.
• Average annual contract value includes platform + usage fees and support.
• Initial focus is on regulated enterprises; mid‑market expansion increases buyer count.

Who are some of their notable competitors

• TrueAccord: Digital‑first collections provider emphasizing email/SMS, self‑service portals, and personalization to recover debt before human calls; overlaps on automating outreach and compliance for enterprises.
• collect.AI: European SaaS receivables/collections platform with AI assistants, omnichannel dunning, and ERP/CRM connectors; overlaps on AI‑driven outreach and enterprise integrations for banks and insurers.
• Katabat (Finvi): Enterprise collections/servicing platform offering omnichannel workflows, decisioning, and compliance; competes for lenders that want a full orchestration stack rather than point automation.
• Replicant: Conversational AI agents for high‑volume voice/chat in contact centers; a direct technical competitor for autonomous payment and billing calls at scale.
• LiveVox (SmartReach): Cloud contact‑center and outbound dialing suite with strong compliance controls; competes where enterprises prefer established CCaaS/dialer platforms with omnichannel capabilities.