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
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