Know where the vehicle will be. Then send someone.
reads live location straight from the vehicle and uses AI to turn it into a pattern: where the vehicle stands regularly, and when it will be there. Right at the point where your team decides where to send an agent. No tracker, no vehicle contact.
Running a rental, leasing or subscription fleet instead? For rental & leasing fleets
A 30-second check before you book a call
Strong fit
- You are a lender, HP/PCP provider, leasing company or fleet financier
- Your fleet includes vehicles from 24 major European OEMs
- You already run a recovery/collections process and want to make it faster
Not a fit
- You need continuous tracking of drivers
- You are an individual consumer or single-vehicle owner
- Your fleet is exclusively pre-2016 or non-connected vehicles
The gap between "case opened" and "agent dispatched"
Most finance providers already have a well-defined recovery process. The friction is not in opening a case. It is in the manual investigation that happens between opening the case and knowing where to send a recovery agent.
Manual investigation
Address checks, phone calls and door knocks before an agent can be dispatched with confidence.
Historic-only signals
ANPR and field intelligence describe where a vehicle was, not where it is now.
Missed recovery windows
By the time enough evidence is gathered, the opportunity to recover may have passed.
Hard-to-prioritise caseloads
Recovery capacity is often spent on cases with the weakest signals, not the strongest.
What your recovery team actually sees
Four views your team works with every day: which vehicles are recoverable now, where a vehicle is, when it is most likely to be there, and what the agent in the field gets on their phone.
Fleet readiness
Know which cases are worth dispatching today
Every vehicle in a recovery case gets a readiness score from 0 to 100, based on how fresh and how repeatable its data is. Your team works the top of the list instead of guessing.
- Ready, Almost ready and Learning states at a glance
- Sortable across the whole portfolio, not one vehicle at a time
- Scores update as new vehicle data arrives
Live location & timeline
Current location, not the last sighting
Where the vehicle's connectivity supports it, you see up-to-date location and a movement timeline instead of waiting for the next camera hit or field report.
- Live position with a visible last-read timestamp
- 24-hour movement timeline with stops and drives
- Mileage shown in km and miles
Best recovery windows
Plan the visit for when the vehicle is actually there
TRAICE analyses recurring locations and parking behaviour, then recommends the days and time slots with the highest chance of a successful visit — with a confidence marker so your team knows how much to trust it.
- Day and time-slot recommendations per vehicle
- Backed by repeated visits, not a single observation
- Confidence shown openly, including when data is still thin
Field agent link
Send the agent a live link, not a screenshot
Share a read-only, time-limited tracking link with the agent going out. It updates while they drive, so they are not working from a location that is already an hour old.
- Read-only and expires automatically
- Updates live while the vehicle moves
- No account or app needed for the agent
The same recovery workflow, with better information at the decision point
does not replace your collections, recovery or field operations. It sits inside the workflow you already run, and gives your team a clearer picture before an agent is dispatched.
Traditional recovery
01
Case created
Day 0
02
Manual investigation
Address checks, calls, door knocks
03
Historic sightings
Wait for the next ANPR hit
04
Agent dispatched
With a hypothesis
Recovery with connected vehicle intelligence
01
Case created
Day 0
02
Intelligence surfaced
Current location, plus recurring places and patterns as the first days of driving data build up
03
Window chosen
Best day and time slot
04
Agent dispatched
With a location and a plan
Traditional recovery stays the right route for pre-2016 or non-connected vehicles.
With TRAICE, the investigation time collapses from weeks into a few days.
Designed to enhance your existing recovery process
Recovery activates at the moment a case is opened. Your team keeps its existing collections, recovery and field operations, and gains a live intelligence layer to plan around.
Current vehicle information
Where supported by the vehicle's connectivity, see up-to-date location instead of waiting for the next sighting.
Recurring locations & patterns
Understand where and when a vehicle typically appears: home area, workplace, weekend patterns.
Better dispatch decisions
Recovery teams prioritise the cases most likely to succeed and dispatch agents at the right moment.
Recovery agents, field partners and existing systems stay in place. provides the intelligence. Your team stays in control of every recovery decision.
End-to-end flow
Case opened
Your system flags a case.
VIN lookup
Checked against manufacturer coverage.
Vehicle data pulled
Direct from the manufacturer.
Intelligence surfaced
Location, patterns, dwell times.
Dispatch decision
Send agents with a plan.
Recovery closed
Access ends with the case.
Recovery-triggered, not continuous monitoring
is only activated after a lender has identified a missed payment or another legitimate recovery event and has initiated the recovery process. It is not used to continuously monitor customers or vehicles. Access is tied to a specific recovery case, supporting a proportionate, privacy-conscious approach that aligns with the lender's legitimate interest in recovering financed assets.
Whose approval sits behind the data, and what happens if it is withdrawn
This is the question that decides most compliance reviews, so we answer it directly rather than in the small print. There are two separate layers, and they are often confused with each other.
Layer 1: the vehicle's connected services
The driver or keeper enables the manufacturer's connected services for the vehicle. That is the technical gate that makes data available at all. It is granted with the manufacturer, not with us, and it can be turned off by the person who holds it.
Layer 2: your processing for recovery
Your lawful basis as the controller is normally legitimate interests under Article 6(1)(f), documented in a Legitimate Interest Assessment. It is not the customer's consent, because a basis that can be withdrawn at the moment of default is no basis at all.
If connected services are switched off
Data stops arriving for that vehicle and TRAICE says so openly instead of showing a stale position as if it were current. Your team sees the last confirmed read and its timestamp, and falls back to your existing recovery route for that case.
If the customer objects
The right to object under Article 21 stands, and your process for handling it stays yours. Access is scoped to the open recovery case and ends when the case closes, which is what makes the balancing test defensible in the first place.
In a recovery deployment the lender is the controller and is the processor under a DPA. This section is general information about how the deployment is structured, not legal advice.
What changes for your recovery team
Shorter time-to-dispatch
Recovery agents leave with a location and a plan, not a starting hypothesis.
Higher recovery success rate
Effort is concentrated on cases where the vehicle is most likely to be located.
Lower investigation cost
Less time spent on address checks, phone calls and unproductive visits.
A ready-to-use web platform, not an IT project
No hardware. No changes to your IT stack. No changes to your recovery process. Integration into your own systems is optional and comes later.
Contracting & DPA
Straightforward controller–processor agreement scoped to recovery use.
Portfolio onboarding
Share the vehicles in scope. We handle manufacturer connectivity setup.
Team works in the web platform
Accounts created, your recovery team logs in and works in the browser. No install needed.
Optional integration later
Want the intelligence in your own systems? We build that together, typically in a few days.
Common questions, answered in one line
Hardware required?
No. API-based, no install. Read more
Does it replace my recovery process?
No. It plugs into your existing workflow at case creation. Read more
Does it replace ANPR?
For connected vehicles (2016+), yes. ANPR remains useful for pre-2016 or non-connected vehicles. Read more
Continuous tracking?
No. Recovery-triggered only, tied to a case. Read more
Which vehicles?
28 manufacturers, 2016+, European connectivity. Read more
How long to go live?
Ready-to-use web platform — your team works in it from day one. Optional integration into your own systems later, in days. Read more
GDPR?
Controller–processor DPA provided; recovery = legitimate interest (Art. 6(1)(f)). Read more
Frequently Asked Questions
Common questions from automotive finance providers, lenders and leasing companies.
See how TRAICE fits into your recovery process
A 30-minute working session with our team. We map onto your current recovery workflow and show where it makes the biggest difference.
How to judge this without taking our word for it
We do not publish customer quotes, because we do not have approval to name the portfolios we work with. What we can show you instead is exactly how the platform reaches its conclusions.
Where the data comes from
Live, owner-approved manufacturer data straight from the vehicle. Nothing is fitted, nothing is retrofitted, and no aftermarket tracker is involved.
How we reach a conclusion
AI models build recovery windows from repeated presence at the same place, at the same time of day, over several days of driving data — not from a single ping.
What we deliberately do not do
No covert surveillance, no continuous driver monitoring, no data beyond the case in hand. Access is case-scoped, logged and time-limited.
How it stands up to scrutiny
Lawful basis documented, DPA available before any pilot, EU-hosted infrastructure, retention limits and a full audit trail.
Read the lawful basis for vehicle location data or the full FAQ.