January

January is a New York fintech that uses AI to modernize one of finance's least-loved corners: debt collection. Its platform helps lenders, banks, credit unions and debt buyers recover past-due and charged-off consumer debt while giving borrowers transparent, lower-pressure ways to repay - tailored payment plans, self-service tools and built-in regulatory guardrails. Founded in 2016 (originally as Debtsy), the company says its software has serviced more than $10B in debt and handles more accounts than all but the largest banks, pairing data-driven recoveries with consumer satisfaction scores it claims beat traditional agencies.