January

January Technologies, Inc.

is a fintech company based in New York, founded in 2016. The company focuses on transforming the debt collection industry through an AI-driven, data-centric platform. Its primary service is a technology-enabled debt collection platform that modernizes the recovery of past-due and written-off consumer debt. This platform provides borrowers with empathetic, digital tools for repayment and helps creditors maximize recoveries while ensuring compliance. The collection agency service automates communications through SMS, email, and a borrower portal, facilitating end-to-end resolution for delinquent loans with minimal human intervention. January serves a range of clients, including fintech lenders, credit unions, traditional banks, and debt buyers, all looking to enhance their collections process and maintain positive borrower relationships. The platform has demonstrated approximately 30% better performance than traditional agencies and manages over $10 billion in debt, emphasizing its commitment to restoring dignity and financial stability for borrowers.