The trillion-dollar debt collection industry is long overdue for a digital overhaul, but its unsexy reputation keeps most innovators away. Amon Ghaiumy, CEO of Ophelos, reveals how he's using machine learning to replace aggressive phone calls with empathetic, AI-driven solutions that actually get people debt-free. By shifting from a software-first to a service-first model, Ghaiumy has unlocked a massive growth engine while challenging the risk-averse culture of the European tech ecosystem.