By futureTEKnow | Editorial Team
This week, the fintech SaaS scene welcomed a notable development: Murphy, a Barcelona-based startup, surfaced from stealth mode by announcing a €12.8 million funding round to transform the future of AI-powered debt collection. Led by the investment firm Northzone and supported by ElevenLabs, Lakestar, Seedcamp, and Enzo Ventures, this seed funding highlights growing investor interest in AI infrastructure for financial services.
“We’re building AI-native infrastructure that replaces traditional call centers with a scalable, multilingual solution. It helps companies recover more, faster, and more cost-efficiently, while staying compliant and treating debtors with respect.”
-Co-founder and CEO Borja Sole
Founded in 2024 by Borja Sole and Marc Sanchez Garcia, Murphy leverages autonomous, multilingual AI agents that engage directly with debtors on behalf of financial institutions, utility companies, and telecoms. The platform is designed to overcome key industry challenges:
24/7 communication in more than 30 languages.
Behavioral personalization to adapt outreach strategies to each debtor’s profile.
Integration of omnichannel outreach combined with empathetic, human-like voice interactions.
Traditional debt recovery often depends on expensive, analog call centers, which are limited in scalability and sensitivity. Murphy addresses this by automating high-volume debtor communications, aiming to boost recovery rates for non-performing loans and lower operational costs while ensuring that compliance and respectful engagement remain central.
The fresh €12.8 million will fuel the following priorities.
Accelerating product development within the core platform
Growing Murphy’s technical and go-to-market teams
Supporting rapid international expansion, especially targeting new markets across Europe and the U.S.
The debt servicing industry is estimated to be worth around $300 billion globally, but it has been criticized for being slow to adapt to technological change. Murphy’s AI-native approach is positioned to not only cut costs but also to unlock “untouched or written off” recovery opportunities for a wide spectrum of lenders and service providers.
Banks & traditional lenders
Telecommunications firms
Utilities
Buy-Now-Pay-Later (BNPL) companies
Healthcare and microlending organizations
AI voice agents and behavioral personalization are now practical tools for reducing friction in financial operations.
Efficient recovery of “hard-to-collect debt” is increasingly possible—at scale and across languages—thanks to the confluence of AI and omnichannel outreach.
Murphy’s growth demonstrates the appetite for innovation in long-standing, legacy industries.
With this significant capital injection and its AI-first strategy, Murphy is primed to play a leading role in reimagining how global organizations interact with debtors—and how value is recovered in a traditionally rigid market
Tracelight is revolutionizing financial modelling for finance professionals with AI-powered Excel tools that automate complex tasks, reduce errors, and unlock new analysis capabilities. Learn how this next-gen solution changes the future of spreadsheets.
China’s Lanyue lander completed its first major test, showcasing advanced engineering for safe, crewed moon landings before 2030. Explore how this milestone shapes the space race.
Microsoft rolls out GPT-5 across its Copilot suite, integrating smarter AI for enterprise and personal users. Discover new features, free access, and what sets this launch apart.
OpenAI’s GPT-5 is now live for all ChatGPT users. It brings faster, smarter AI with improved reasoning, expanded context, and safer outputs—marking a major leap in generative technology.
Chai Discovery’s $70M funding ushers in a new era for AI-powered antibody design, promising faster, more successful drug discoveries with its breakthrough Chai-2 model.
Coral Protocol has redefined the AI race, outpacing Microsoft by 34% on the GAIA Benchmark with a breakthrough multi-agent system, setting new standards for AI performance, efficiency, and collaboration. Learn how horizontal scaling is changing the future of artificial intelligence.
Explore how agricultural robots are driving efficiency, sustainability, and innovation in modern farming, overcoming labor and productivity challenges.
India’s space startups are revolutionizing the industry with innovative rocket technology, government support, and global partnerships—propelling the nation into a new space age.
Curious about buying a humanoid robot in 2025? Explore the latest models, prices, features, and delivery details for robots you can actually order this year.
SpaceX’s Falcon 9 completes its sixth ISS mission, solidifying NASA’s commercial partnerships while shaping a new era of space geopolitics. Learn why NASA and its partners increasingly depend on SpaceX for access to orbit.
Discover how Google’s Gemini generative AI is revolutionizing Android—making your phone smarter, faster, and truly personal with next-gen features and privacy-first innovation.
Kontext lands $10M seed round to fuel its generative AI advertising platform, enabling brands to deliver personalized, context-rich real-time ads in AI applications and chatbots.
