Because of its peculiar characteristic as an essential asset, in addition to issues related to network losses, water sector credit needs strong attention in terms of complexity and governance.

Indeed, the industry’s challenge will revolve around improving credit management, which is closely linked to a strategic control capability: timely and careful management of Arera’s legal and regulatory aspects enables timely action in permissible cases, governing credit risk at all operational stages for delinquent customers, both dischargable and non-dischargeable.

Some distinctive features of IDRICO verticalization:

• Disable/non-disable practice management
• Condominium management
• Management teams for reduction/discharge
• Re-entry plan management
• Installment monitoring
• REMSI management
• ARERA time tracking and procedures
• ARERA Conciliation Management
• Tracking on failure to notify
• Automatic generation of injunctive/enforcement documents

Dealing with non-payment of transit takes on a significant impact, not so much in terms of the percentage of transit volume itself, but in terms of the total amount of value to be recovered.

Activating procedures for monitoring non-payments turns out to be crucial for both the concession aspects and compliance with the regulations governing the penalty aspects dictated by the violation.

Some distinctive features of AUTOSTRADAL verticalization:

• Practice management by license plate with photo documentary
• Property Verification – Automated ACI Visas
• Mass mailing of reminders
• CDS management – Enforced recovery – art. 373
• Chargeback management
• Transmission Police-Article 176, paragraphs 11, 11a and 21.
• Automatic generation of injunctions
• Executive phase management

The issue of managing NPLs (Non Performing Loans) is high on the ‘agenda of financial discussions, both in terms of internal management (banks) and as a result of loan assignment (financials).

From the perspective of the banking sector, the crisis following the lockdown may generate a new maelstrom of rising nonperforming loans. In addition, the EU constraints, such as the protection of competition and the prohibition of state aid, greatly restrict the scope for public intervention in the disposal of impaired loans, while the ECB’s intervention in the area of prudential supervision induces banking companies to follow increasingly stringent and strict criteria in the examination and subsequent write-down of loans in their portfolios.

Finding a balance to allow banks to continue lending to businesses and households without burdening domestic balance sheets will be one of the key issues to be managed in the coming years. A goal that also comes through credit governance linked to the monitoring of internal and external information.

Some distinctive features of the BANKS AND FINANCE verticalization:

• Portfolio assessment management by credit type (mortgages, overdrafts, cards, loans, leases)
• Management of debt restructuring plans
• NPL trend monitoring
• Multi-channel system (sms, email, mail, pec,…) for remedial reminders/alerts
• Management assignment to recovery companies
• File assignment management to outside counsel
• Management of internal/external out-of-court legal steps
• Automatic generation of extrajudicial-judicial-executive acts.

In today’s context, digitization of the legal back office is considered a strategic guarantor of sustainability. In fact, all law firms that support companies in debt collection need operational tools that can manage the information received in a timely manner so that they can generate case files in a timely manner and act accordingly according to regulations.

With CreditSuite, it is possible to manage a large number of files distributed throughout the country, thanks to a dynamic procedure that allows files to be generated and assigned to domiciliaries.

The process is streamlined and functional: the Suite covers from the sending and serving of the notice, to out-of-court and court-enforceable recovery.

The use of digital tools applied to traditional practice care enables:

• Maximum speed in the formation and shipment of documents
• More efficient and effective monitoring of activity performance, including through dynamic analysis of processed statistical information
• Flexibility in finding the most appropriate solutions to the specific needs of the client, as well as to the peculiarities of age, geography, income and assets.

Some distinctive features of the LEGAL STUDIES verticalization:

• Uploading data and sharing practice progress with clients
• File creation and transmission of warning letters
• Assignment of domiciliary counsel
• Management of notarizations and accounting records
• File formation
• Tracking extrajudicial – judicial legal steps
• Automatic deed generation
• Management of coactive-executive phases

In today’s context, digitization of debt collection is considered a strategic guarantor of sustainability. In fact, all Recovery Companies that support companies in extrajudicial and judicial activities need operational tools that can manage the information received in a timely manner, so that they can generate agreed actions related to the files in a timely manner and act accordingly according to regulations.

With CreditSuite, it is possible to manage a large number of practices distributed throughout the country, thanks to a dynamic procedure that allows the management of orders.

The process is streamlined and functional: the Suite covers all stages of recovery, cost tracking, and reporting activities for private and government clients.

The use of digital tools applied to traditional practice care enables:

• Multi job management
• Maximum speed in the formation and shipment of documents
• More efficient and effective monitoring of activity performance, including through dynamic analysis of processed statistical information
• Flexibility in finding the most appropriate solutions to specific customer needs.

Some distinctive features of verticalization RECOVERY SOCIETY:

• Uploading data and sharing practice progress with clients
• Creating and customizing tasks per job
• Automatic generation of multichannel communications for sending warnings
• Dynamic practice assignment to internal team
• Ticket tracking system for activity tracking
• Performance measurement
• File formation
• Tracking extrajudicial – coercive – judicial legal steps
• Automatic deed generation
• Management of coactive-executive phases