Simplicity Isn’t So Simple Anymore
If you’re still running your agency on Simplicity, you’ve likely run into limitations. Whether it’s rigid templates, outdated features, or the growing complexity of compliance, Simplicity debt collection software isn’t built for where your agency is headed.
Simplicity’s web-based interface may look modern at first glance, but it lacks the deep automation and real-time controls today’s collection agencies require. It’s a simple tool—ideal for small start-ups, but not for agencies trying to scale outreach, offer flexible payment plans, or manage multi-channel accounts receivable workflows.
And now, with industry talk of Finvi potentially sunsetting Simplicity, sticking with it could soon become a forced decision rather than a strategic one.
Where Simplicity Collection Software Falls Short
Manual Workflows Waste Hours
Simplicity requires users to manually build logic or rely on preset templates. It has no drag-and-drop workflow builder or built-in automation, so teams spend unnecessary time managing payment reminders, status changes, and follow-ups.
Limited Integrations and Vendor Lock-In
Simplicity doesn’t support open APIs. That means limited flexibility to plug in your preferred ACH provider, credit card processor, or dialer. Agencies are often stuck with a few “approved” options—and integration costs can add up fast.
No True Omnichannel Communication
Modern debt collection software needs native automation across SMS, email, letters, and voicemail. Simplicity lacks real-time omnichannel outreach, so agencies use third-party workarounds that disrupt contact history and risk compliance violations.
Basic Tools That Don’t Scale
There’s no built-in support for advanced features like AI phone agents, collection attorneys, or dynamic segmentation for skip tracing. Simplicity may be manageable for 1,000 accounts—but not for 100,000+.
Help Desk and Technical Support Concerns
Many users report slow help desk response times and unclear documentation. Without fast, knowledgeable technical support, your team is stuck waiting for fixes or answers—costing you time and money.
What Growing Agencies Actually Need
In 2025, a scalable collection solution must offer:
- Real-time automation of outreach and follow-ups
- Support for Reg F, FDCPA, TCPA, and state compliance workflows
- Native omnichannel outreach (SMS, email, voicemail, letters)
- Flexible payment processing with support for credit card and ACH payments
- An integrated client portal with real-time performance dashboards
- Configurable debtor self-service tools for disputes and payment plans
- Cloud-based deployment that supports unlimited users and unlimited clients
These features aren’t a luxury—they’re the baseline for modern debt management success.
Read more: AI in Debt Collection: How Leading Agencies Are Winning Today
Why Agencies Are Choosing Aktos Over Simplicity
Aktos is a cloud-native, AI-powered debt collection software platform built for agencies that want to modernize without growing headcount. Whether you're a small or a mid-sized agency, Aktos delivers automation and flexibility out of the box.
Workflow Automation Without Developers
Design custom workflows with no development hours. From routing accounts to escalations, you control the logic—no tickets, no dev cycles.
Native Omnichannel Outreach
Send and log communications across SMS, email, letters, and voicemail—all synced to the account. Real-time visibility helps agencies stay compliant while improving recovery rates.
Seamless Payment Processing
Aktos supports credit card, ACH, text-to-pay, and recurring payments. You can bring your own provider or use Aktos’ built-in tools. Many clients use convenience fees to offset processing costs—something Simplicity doesn’t support natively.
Real-Time Dashboards and Portals
Clients and collectors can see everything live: account statuses, dispute resolution, contact outcomes, and recovery trends. No messy spreadsheets. No delays.
AI and Collector Automation
Built-in AI phone agents manage repetitive tasks, handle call routing, and support warm transfers. Agencies use automation to recover more without hiring more staff.
Flexible, Open Ecosystem
Aktos doesn’t lock you in. Use your own dialers, CRMs, or debt management providers—Aktos connects with them via open API.
Best-in-Class Support
From onboarding to go-live, you’ll have access to a dedicated customer support team via direct phone number, email, or chat. Most agencies are up and running in 60–90 days—including historical data migration and training.
Simplicity vs. Aktos: Feature Breakdown
Not sure how SimplicityCollect stacks up in 2025? Here’s a side-by-side comparison of key features—and why more agencies are switching to a modern, cloud-based provider like Aktos.
What’s the Real Price of Staying on Simplicity?
At first glance, Simplicity may seem like the more affordable provider. But once you factor in the cost of:
- Missed collections from delayed outreach
- Manual labor hours from inefficient processes
- Compliance risks and lack of state-specific logic
- Staff churn due to poor ease of use
- Technical limitations that prevent growth
…you’re likely paying more in hidden costs than you would with a modern, cloud-based solution.
And if the Finvi roadmap phases out Simplicity—as many expect—you’ll be forced to migrate under pressure, without time to properly plan your next move.
Final Thoughts: It’s Time to Move Beyond Simplicity (Literally)
Simplicity had its place. It helped small agencies get started and offered a straightforward, web-based option—but with limited capabilities, few integrations, and little automation. As the industry evolves, so do the tools required to thrive—and today’s agencies need a platform built for speed, scale, and real-time compliance.
Aktos gives you the speed, automation, compliance, and scale you need—without vendor lock-in or technical debt. Whether you need smarter payment plans, automated debtor outreach, or just better reporting, it’s all built-in with the Aktos Platform.
Stop settling. Start scaling. Book a demo to see how Aktos transforms debt collection from reactive to revenue-driving.
