Sectors

Water

The Water sector is a complex industry that is crucial to the well-being of communities. Credit management in this sector is particularly challenging, considering its nature as an essential asset and the specific issues related to network losses. CreditSuite is the comprehensive solution that fits the needs of the water sector, offering strategic control and comprehensive credit management.

Learn how CreditSuite can help your company optimize credit management in all its facets.

Distinctive features of IDRICO verticalization:

1. Dischargeable/non-dischargeable practice management: CreditSuite enables effective management of practices related to discharges and non-discharges, ensuring accurate credit management according to specific situations.
2. Condominium management: addresses condominium accounts receivable management efficiently and accurately with a view for the condominium administrator and payment status.
3. Management of teams for reduction/de-supply: optimizes resource allocation and coordination of teams to reduce de-supply and improve credit management.
4. Repayment plan management: creates and manages customized repayment plans for delinquent clients, ensuring an effective and compliant debt collection process.
5. Installment monitoring: tracks customer installments and payments to keep track of credit status and plan corrective actions when necessary.
6. REMSI management: simplification of credit management using REMSI (Electronic Registry of Non-payments) integrated into CreditSuite.
7. ARERA time and procedure tracking: the platform ensures compliance with ARERA’s regulatory timelines and procedures through built-in tracking features.
8. ARERA Conciliation Management: manages conciliations with ARERA efficiently and accurately, ensuring compliance with current regulations.
9. Tracks on non-notification: promptly identifies and handles non-notification situations to avoid delays in debt collection actions.
10. Automatic generation of injunctive/enforcement documents: simplifies the generation and management of injunctive and enforcement documents, saving valuable time.

Benefits of CreditSuite for the Water sector:

• Better strategic control-CreditSuite provides complete control over credit management, enabling timely action in permissible cases.
• Regulatory compliance: complies with ARERA’s rules and regulations through careful management of procedures and timelines.
• Operational efficiency: optimizes credit-related operations, reducing costs and improving overall business efficiency.
• Effective debt collection: planning and implementing targeted debt collection strategies, improving the company’s liquidity.
• Reduction of disconnections: handles disconnection situations more efficiently with better customer service.

Choose CreditSuite for the water sector and turn credit management into a strategic advantage for your business.

Highway

In the Highway sector, the management of transit non-payments is of paramount importance, not only in terms of percentage of transit volume, but also in terms of the total amount of value to be recovered. The activation of procedures to control nonpayment is crucial both for highway concession issues and to ensure compliance with the rules and regulations governing penalties for violations.

CreditSuite is the comprehensive solution that fits the needs of the Highway sector, offering accurate control and comprehensive credit management.

Learn how CreditSuite can help your company maximize debt collection and ensure regulatory compliance.

Distinctive features of AUTOSTRADAL verticalization:

1. License plate paperwork management with photo documentary: CreditSuite enables efficient management of license plate-related paperwork by integrating photo documents for accurate documentation.
2. Ownership verification-automated ACI visas: automates the verification of vehicle ownership through ACI visas, ensuring accurate management of the information of the vehicles involved.
3. Mass mailing of reminders: sends payment reminders in a mass manner, improving payment timeliness and reducing delays.
4. CDS Management – Forced Recovery – Article 373: Manages forced recovery procedures in accordance with Article 373 of the Highway Code, ensuring the proper execution of penalty actions.
5. Chargeback management: manage chargebacks in an accurate and timely manner, ensuring that costs are properly charged to those responsible.
6. Police Transmission-Article 176, Par agraphs 11, 11a, and 21: Efficiently transmits necessary information to the Police in accordance with Articles 176, Paragraphs 11, 11a, and 21, ensuring cooperation with relevant authorities.
7. Automatic generation of injunctive acts: simplifies the generation of injunctive acts to speed up debt collection.
8. Enforcement phase management: manages the enforcement phase of debt collection procedures comprehensively and in accordance with regulations.

Benefits of CreditSuite for the Highway sector:

• Debt recovery maximization: helps to maximize the recovery of debts arising from missed transit payments, contributing significantly to corporate profitability.
• Regulatory Compliance: complies with the specific rules and regulations of the Highway sector, ensuring that procedures are in line with applicable laws.
• Operational efficiency: optimizes operations related to credit management, reducing costs and improving business efficiency.
• Cooperation with authorities: ensures proper transmission of information to relevant authorities, maintaining effective cooperation.

Choose CreditSuite for the Highway industry and turn transit nonpayment management into a strategic advantage for your company.

Healthcare

In the Health sector, every NHS Health Authority is required by law to carry out the recovery of outstanding debts. Failure to comply with these obligations may result in direct liability for general managers and penalties for facilities. In addition, the ASLs are subject to inspection visits by authorities such as the Guardia di Finanza, the Internal Revenue Service and the MEF, which verify the proper conduct of activities. Recovery of outstanding debts is not only a legal obligation, but also a strategic factor that helps ensure the quality of health care services.

CreditSuite, in its dedicated version for healthcare facilities, offers all the tools needed to facilitate compliance with current regulations, enabling a streamlined and functional process.

Peculiar features of verticalization HEALTH:

1. Multi-channel system (SMS, Email, Mail, etc.) for reminder reminders: CreditSuite offers a multi-channel system for sending reminder reminders, improving payment timeliness and facilitating communication with debtors.
2. Customized management by credit type (white codes, benefits, cancellations): tailors credit management to different types, including white codes, medical benefits, and cancellations, for a highly personalized approach.
3. Verification of MEF flows and verification of mendacious self-certifications: CreditSuite enables verification of Ministry of Economy and Finance (MEF) flows and mendacious self-certifications to ensure the accuracy of financial information.
4. Management assignment to debt collection companies: facilitates the management of case assignments to specialized debt collection companies when necessary.
5. Automatic generation of injunctive acts: simplifies the automatic generation of injunctive acts, speeding up the debt collection process.
6. Coactive-Executive Phase Management: manages all phases of debt collection, from the coactive phase to the executive phase, to maximize the chances of recovery.

Benefits of CreditSuite for the Health Care sector:

• Compliance with regulations: CreditSuite helps comply with current regulations in the health care industry, avoiding penalties and legal liabilities.
• Debt collection maximization: maximizes the recovery of outstanding debts, helping to improve the financial strength of healthcare facilities.
• Operational efficiency: optimizes operations related to credit management, reducing costs and improving business efficiency.
• Effective communication: use the multichannel system to communicate effectively with debtors and improve payment timeliness.

Choose CreditSuite for Healthcare and turn bad debt management into a strategic advantage for your facility.

Financial-Insurance

In the Financial – Insurance sector, the management of NPLs (Non Performing Loans) is a major financial challenge for both banks and financial institutions. The issue is at the top of the financial agenda, both in terms of the internal management of banks and as a result of the assignment of credit by financial institutions. The crisis following the lockdown increased the risk of an increase in impaired loans. In addition, EU constraints and ECB intervention impose strict criteria in the examination and write-down of portfolio loans. Striking a balance between new lending and NPL management without burdening internal balance sheets is a key challenge.

CreditSuite is the ideal solution for the Financial – Insurance sector, enabling credit governance connected to the monitoring of internal and external information.

Distinctive features of the FINANCE AND INSURANCE verticalization:

1. Portfolio evaluation management by credit type (mortgages, overdrafts, cards, loans, leases): CreditSuite offers flexible management for evaluating credit portfolios, broken down by type, for a clear and detailed view.
2. Debt restructuring plan management: enables effective management of debt restructuring plans, tailoring them to the specific needs of debtors.
3. NPL trend monitoring: constantly monitor NPL trends to identify trends and adopt preventive strategies.
4. Multi-channel system (SMS, Email, mail, PEC, etc.) for reminder reminders/alerts: CreditSuite offers a multi-channel system for sending reminder reminders and alerts, improving communication with debtors.
5. Management assignment to debt collection companies: facilitates the management of case assignments to specialized debt collection companies when necessary.
6. Management of file assignments to external legal practitioners: simplifies the management of file assignments to external legal practitioners for legal procedures.
7. Management of legalized internal/external extrajudicial stages: comprehensively manages legalized stages, both internal and external, for effective debt recovery.
8. Automatic generation of extrajudicial-judicial-executive acts: simplifies the automatic generation of extrajudicial, judicial and executive acts, speeding up the debt collection process.

Benefits of CreditSuite for the Financial-Insurance industry:

• Optimizing NPL management: CreditSuite helps optimize NPL management, reducing financial risks and improving profitability.
• Regulatory compliance: ensures compliance with community constraints and current regulations, reducing the risk of penalties.
• Operational efficiency: optimizes operations related to credit management, reducing costs and improving business efficiency.
• Advanced monitoring: provides advanced monitoring to identify challenges early and take preventive measures.

Choose CreditSuite for the Financial-Insurance sector and turn NPL management into a strategic advantage for your institution.

Law firms

In the legal sector, back office digitization has become an essential strategic factor in ensuring the sustainability and efficiency of law firms. Law firms that assist companies in debt collection require operational tools that can manage the information received in a timely manner in order to promptly generate case files and act in compliance with regulations.

With CreditSuite, it is possible to manage a large number of files distributed throughout the country, thanks to a dynamic process that allows files to be generated and assigned to domiciliaries. The process is streamlined and functional, covering all stages from delivery and service of the notice to out-of-court, judicial and enforcement recovery.

Benefits of using CreditSuite for LEGAL STUDIES:

1. Maximum speed in document formation and dispatch: CreditSuite enables rapid formation and dispatch of documents, improving the timeliness of legal actions.
2. Efficient and effective monitoring of activity progress: thanks to the dynamic analysis of processed statistical information, CreditSuite provides highly efficient and effective monitoring of legal activities.
3. Flexibility in the search for solutions: offers the flexibility to find solutions tailored to the specific needs of the client, considering the peculiarities of age, geography, income and assets.

Distinctive features of the LEGAL STUDIES verticalization:

1. Data uploading and practice progress sharing with clients: CreditSuite enables data uploading and practice progress sharing with clients, ensuring transparent communication.
2. File creation and transmission of warning letters: simplifies the creation of files and transmission of warning letters, speeding up the process.
3. Assignment to domiciliary attorneys: manages the assignment of assignments to domiciliary attorneys, ensuring efficient distribution of files.
4. Management of notarizations and accounting records: facilitates the management of notarizations and accounting records required for legal procedures.
5. File formation: enables the complete formation of the legal file, ensuring an organized and accessible archive.
6. Tracking legalized extrajudicial-judicial stages: monitors and tracks extrajudicial and judicial legal stages for precise management of procedures.
7. Automatic de ed generation: simplifies the automatic generation of legal deeds, speeding up the debt collection process.
8. Coactive-executive phase management: covers all phases, from coactive to executive, to maximize debt recovery.

Choose CreditSuite for the Law Firm and streamline legal practice management for debt collection.

Debt Collection Company

In today’s environment, digitization of debt collection has become a crucial strategic factor in ensuring the sustainability and efficiency of Debt Collection Companies. These companies, which support companies in extrajudicial and judicial debt collection activities, require operational tools that can manage the information received in a timely manner, enabling the timely generation of agreed actions related to the files and compliance with current regulations.

With CreditSuite, a large number of practices distributed throughout the country can be managed, thanks to a dynamic procedure that facilitates order management. The process is streamlined and functional, covering all stages of recovery, cost tracking, and reporting activities for private and government clients.

Benefits of using CreditSuite for Debt Collection Companies:

1. Multi-job management: CreditSuite enables efficient management of different jobs, facilitating monitoring and management of activities.
2. Maximum speed in document formation and dispatch: CreditSuite provides maximum speed in document formation and dispatch, improving the timeliness of recovery actions.
3. Efficient and effective monitoring of activity progress: through dynamic analysis of processed statistical information, CreditSuite provides highly efficient and effective monitoring of recovery activity progress.
4. Flexibility in the search for solutions: provides the flexibility to find solutions tailored to customers’ specific needs, allowing detailed customization.

Distinctive features of verticalization RECOVERY SOCIETY:

1. Data uploading and practice progress sharing with clients: CreditSuite enables data uploading and practice progress sharing with clients, ensuring transparent communication.
2. Creation and customization of activities by job: allows the creation and customization of activities according to specific jobs.
3. Automatic generation of multichannel communications for sending reminders: CreditSuite offers automatic generation of multichannel communications for sending reminders, improving the effectiveness of notifications.
4. Dynamic practice assignment to internal team: facilitates dynamic assignment of practices to internal teams for efficient work distribution.
5. Ticket tracking system for activity tracking: allows detailed tracking of activities through a ticket tracking system.
6. Performance measurement: enables performance measurement of recovery activities, ensuring evaluation of the results achieved.
7. File formation-CreditSuite facilitates complete formation of the recovery file, ensuring organized and accessible information management.
8. Tracking legalized extrajudicial-coactive-judicial phases: monitors and tracks legalized, extrajudicial, coercive, and judicial phases for precise management of procedures.
9. Automatic de ed generation: simplifies the automatic generation of legal deeds, speeding up the debt collection process.
10. Coactive-executive phase management: covers all phases, from coactive to executive, to maximize debt recovery.

Choose CreditSuite for your Debt Collection Company and streamline recovery practice management.

Industry & Services

CreditSuite for those managing high volumes of credit in the industrial, service and telecommunications worlds

Credit management in the Industry and Services sector is critical to ensuring the financial strength of the company and ensuring business continuity. The complexity of B2B – B2C relationships, combined with the high volumes of receivables and the variety of customers managed, requires the adoption of flexible, scalable and effective tools.

CreditSuite is the ideal solution for companies in the industrial, Horeca, Telco, logistics, facility, and professional services sectors that want to optimize credit management and reduce financial risk.

Distinctive features of the INDUSTRY AND SERVICES verticalization:

• massive receivables management-designed to support companies with large and fragmented portfolios, the platform enables constant monitoring and automated actions on a large scale.
• Automation of reminders and multichannel communications-automated mailings via e-mail, SMS, PEC, messaging, and paper mail, customizable by customer, industry, or risk.
• Control dashboards by Business Unit-dynamic, customized reports to analyze performance, outstanding debts, and recovery progress by individual customer or operational area.
• monitoring credit facilities and credit limits-constant verification of credit sustainability with automatic alerts for risky behavior.
• re-entry plans and facilities management – creation and monitoring of customized plans for strategic clients, ensuring business continuity and progressive recovery.
• ERP and management systems integration-compatibility with SAP, Zucchetti, Oracle and CRM for automatic synchronization of data and flows.
• Customer segmentation and behavioral scoring-customized models for evaluating and ranking the customer portfolio based on payment behavior and risk profile.
• multi-company and corporate group management-a single platform for centralized credit control across multiple entities or brands.

Benefits of CreditSuite for the Industry and Services sector:

• Reducing collection time (DSO) through structured and proactive credit management.
• Timely and predictive risk control through advanced dashboards and automatic notifications.
• operational efficiency and cost reduction-automated processes and centralized management for more agile credit management teams.
• increased liquidity and financial visibility, which is essential for companies with strong B2B exposure.
• Business continuity through re-entry plans and flexible management of critical situations.
• Adaptability to different sectors of the industry, including:
  • Manufacturing industry
  • Horeca (Hotel, Catering, Catering)
  • Telecommunications
  • Logistics and transportation
  • Facility management
  • Professional and consulting services
• Facilitated access to tax incentives and funding through integrated documentation and compliance management for Industry 4.0 and Transition 4.0 tax credits
• support for digitization as a competitive advantage-improving productivity and responsiveness to market challenges.
• added value in credit governance – transforming credit from an accounting problem to a strategic lever for corporate growth and sustainability

Choose CreditSuite for Industry and Services and turn the complexity of credit management into a competitive advantage for your company.