Per Se & Recovery FinPill: A Cross-Disciplinary Conceptual Framework for Human-Centered AI Debt Management and Client Economic Rehabilitation in Commercial Enterprises

This working paper introduces Per Se and Recovery FinPill - a cross-disciplinary conceptual framework for human-centered AI debt management and client economic rehabilitation in commercial enterprises. Drawing on twenty years of accounts receivable practice across multiple countries and debtor profiles, the framework identifies two systematic failures in current AI-driven debt collection: the absence of communication compatibility matching between collector and debtor, and the inability to distinguish between financial inability and behavioral unwillingness to pay. Per Se addresses the first failure through a Cultural-Sociological-Psychological (CSP) profiling engine. It addresses the second through a Behavioral Solvency Profile (BSP) - classifying genuine financial distress versus behavioral unwillingness, so that empathy goes where it is warranted and firm engagement goes where it is needed. Recovery FinPill is activated by BSP for genuinely distressed clients: a modular, AI-assisted rehabilitation protocol covering career support, adaptive learning, entrepreneur recovery, and AI displacement tracks. The framework further argues that systemic adoption of this logic constitutes a structural shift in corporate culture - from an extraction model to a co-recovery model - with measurable macroeconomic implications for household financial health, labour market reintegration, and social welfare expenditure. Proposed empirical validation will use proprietary AR data from five cultural regions in a Randomized Controlled Trial. The framework is designed in full compliance with GDPR, the EU AI Act, FCRA, and FDCPA, with mandatory human oversight at every decision point. This is a preliminary conceptual framework written for academic discussion and doctoral research proposal purposes. All projected outcomes are research hypotheses requiring empirical validation.