Saas
In an environment of increasing regulatory pressure and tight financial margins, leading banks are adopting predictive AI models to anticipate defaults from the first day of delinquency. This detailed analysis reveals how a European systemic institution reduced its credit provisions by 30% while improving its capital ratios.
European banks face the challenge of modernizing their collection processes while complying with increasingly strict regulations. This analysis reveals how three financial institutions successfully implemented multichannel AI systems that eliminated 100% of their regulatory penalties and substantially improved operational results.
While competitors spend €1.3 million annually on call centers, advanced voicebot technology secures payment agreements 24/7 without human intervention. This real-world (and replicable) case is one every COO should know.
In today’s volatile interest rate environment and tightening capital requirements, European banks face unprecedented pressure to optimize Risk-Weighted Assets (RWA). This case study reveals how a Spanish systemic bank achieved a 22% reduction in RWA by deploying explainable AI decision engines, all while complying with the latest European Central Bank…
In today’s banking environment—where 35% of defaults could be prevented with proactive strategies (ECB, 2024)—AI-powered multichannel solutions have emerged as the most effective way to strike a balance between efficiency and compliance.
One of the biggest challenges in recovery and preventive management is ensuring outreach isn’t just effective, but also timely and well-received.
At Algonew, we know that anticipating customer behaviour isn’t just a tactical advantage—it’s a strategic necessity.
At Algonew we understand that operational efficiency and customer experience need not be at odds; this is especially true in pre-collections.
At Algonew we firmly believe that the most critical stage of the credit cycle does not begin with default—it starts much earlier. Pre-collection represents a strategic window to anticipate customer behaviour, build healthier relationships, and, most importantly, significantly reduce early delinquency.
The data is overwhelming: 1 in 2 customers (49%) abandon calls due to long wait times. This reality, which directly affects business profitability, finds an effective and scalable solution in Artificial Intelligence.
