The default rate of Spanish banks has broken records in the last few years and a substantial decrease is not expected in the short term due to the slow recovery of the economy and the decrees on financial reform (appended) under which banks will have to recognise loans which thus far were not accepted as such as being defaulting loans.
Focussing on growth during the pre-crisis years, collection activities have currently become a key driver for financial entities to maintain profitability.
How we can help
We place at the disposal of the companies in the sector our powerful technological infrastructure – which is crucial to enable operational and control efficiency and is at the forefront of innovation and security, as guaranteed through our PCI Level 1 and ISO 27001 Information Security certifications. Using this platform, our integrated SaaS solutions make it possible to:
Segment and group together types, implementing a different collection and recovery strategy for each segment.
Offer a flexible, multichannel approach, enabling cost /result effective communication channels to be chosen such as SMS, email or IVR, which have proven themselves to be especially effective for early debt.
Optimise the day and time of the moment of contact/payment, as well as its frequency.
Ofer an omnichannel, multimedia, multi-device and user-friendly payment environment which improves conversion and the customer experience.
Analyse and improve the efficiency of collection processes based on real-time information.
IMSolutions cuenta con los mejores socios tecnológicos para seguir innovando juntos en el desarrollo de nuevas soluciones para la transformación digital de los procesos de riesgos y cobros.
Hemos establecido con nuestros partners relaciones sólidas y a largo plazo, basadas en un ADN común: la filosofía Fintech y la innovación.