Receivables management in the banking sector

Receivables Management in the Banking Sector

Efficient Dunning Procedures for Credit Institutions

Narrow margins and a high degree of market saturation are making it increasingly difficult to make the business of private and small-business credit a profitable one, and to tap into the full potential of each customer. When customers then fall behind in loan repayment as well, it can quickly damage business relationships that took a great deal of time and effort to establish.

Improved Performance in Reminders and Settlements

The high cost pressure and low margins involved in retail banking make both an optimized sales approach and a high degree of automation essential. The challenge is to organize the reminder system in the most customer-oriented way possible while also achieving a high level of processing efficiency. Service- and process-oriented reminder systems are characterized by a large number of individual measures. These include everything from contacting the customer early on to restructuring the credit relationship and returning the exposure, along with all pre-trial and judicial enforcement activities—all geared toward ensuring recovery of the greatest possible proportion of payments the customer can still afford.

Service Disruptions, Complex Processes, Lack of Software Support

Payment defaults can occur due to a wide variety of reasons, which is why handling accounts in arrears requires a differentiated approach. This not only saves processing costs, but also helps maintain a positive customer relationship, especially with customers who have other accounts at the bank with positive balances. For this to work, however, the bank clerk needs to have a transparent record of all the necessary customer-related data, along with a history of previous customer contact and any steps taken. This gives the clerk an overall picture of both the current situation and its history, so that he or she can organize additional measures in a targeted way. Modern debt collection software gives bank clerks a detailed summary of the bank’s entire relationship with a debtor as well as information on how to handle the issue, and can automate both pre-trial and judicial dunning processes to a great extent while also maintaining flexibility.  


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