Conduent announced a partnership with Solutions by Text on November 13 2025 that will embed the FinText mobile‑messaging platform into its Loan Manager cloud solution. The integration will enable real‑time, secure SMS, MMS, and RCS communications for borrowers, allowing loan servicers to automate routine notifications, resolve issues faster, and improve on‑time payment rates.
The move is part of Conduent’s broader transformation agenda that prioritizes AI, automation, and data‑driven workflows. By adding a conversational commerce layer, Conduent can offer a more modern, customer‑centric experience to its loan‑servicing clients, positioning itself to capture the growing demand for mobile‑first financial interactions.
Conduent’s Q3 2025 earnings report, released on November 7 2025, showed revenue of $767 million—down 4.5 % year‑over‑year—and a pre‑tax loss of $38 million. Adjusted EBITDA margin slipped to 5.2 % from 5.5 % in the prior year, reflecting pricing pressure and the impact of ongoing portfolio rationalization. The earnings miss and margin compression highlight the financial headwinds Conduent faces, even as it invests in new technology.
The Solutions by Text partnership is therefore a tactical effort to strengthen Conduent’s value proposition and potentially offset revenue declines. By automating borrower communications, Conduent can reduce collection costs, increase borrower engagement, and improve operational efficiency—factors that could translate into higher revenue retention and margin improvement for its loan‑servicing customers.
Management emphasized that the partnership aligns with its focus on high‑return verticals and strategic investments in technology. CEO Cliff Skelton noted that the company’s “qualified ACV pipeline remains strong at $3.4 billion, up 9 % year‑over‑year,” suggesting confidence in future growth despite current earnings challenges.
While the partnership offers clear operational benefits, investors will likely weigh it against Conduent’s recent revenue miss and margin compression. The partnership’s success will depend on how quickly Conduent can integrate the messaging platform, the adoption rate among its clients, and the ability to translate improved borrower engagement into measurable financial gains.
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