arrow_circle_right Debt restructuring
Turn debt risk into opportunity
A fresh approach to debt restructuring – one that puts people first. Help customers stay on track, prevent defaults, and build lasting trust with a secure, digital-first platform.
arrow_circle_right Our clients
They’ve trusted us
Why it’s time to rethink debt restructuring
The problem
In an unpredictable economy, more customers are unable to meet their repayment obligations. And yet, many banks still rely on outdated restructuring workflows that are:
- Manual, paper-heavy, and time-consuming
- Costly to scale
- Frustrating for customers
The consequences
- Slow restructuring processes
- Poor customer experience
- Higher operational load
- Increased risk and lost revenue
The solution
Debt Restructuring Portal – a secure, fully digital solution that makes managing debt cases easier for both your customers and your advisors.
It is a solution that:
- Reduces operational costs
- Increases repayment rates
- Turns debt into a revenue opportunity
- Makes it easier for customers to complete restructuring by letting them review and sign everything online – no branch visits and no paperwork
From 2 weeks to 7 minutes
– that’s how fast restructuring can become
25%
of restructuring decisions finalised online within the first weeks of launch
4.5-star
average user rating
Turn restructuring into a business advantage
Our portal delivers meaningful business value at every level
New revenue opportunities
Use restructuring as an opportunity to cross-sell, consolidate, or create new credit agreements.
Reduced collection costs
Efficient recovery of liabilities without the need to sell receivables to third-party collectors, thanks to restructuring options and digital promises of repayment.
Fewer defaults, stronger relationships
Keep loans performing well and customers engaged by proactively offering flexible restructuring options.
Less manual work
Smart automation cuts down on paperwork and call center traffic, letting your team focus on what matters most.
Better customer experience
Let clients review, adjust, and confirm new repayment plans online at any time. No paperwork, no waiting.
Real-time risk visibility
Track repayment behaviour and spot red flags early with real-time alerts and dynamic dashboards.
Full legal & regulatory compliance
Stay ahead of evolving regulations with end-to-end data protection and built-in compliance with GDPR, PSD2, and more.
arrow_circle_right What’s the process?
How restructuring process works
Here’s how your clients (and your team) move through every stage of the restructuring process, with full transparency and automation:
-
Customers log into a secure portal, explore repayment scenarios, and submit a restructuring request – anytime, on any device.
-
The system recalculates new repayment plans, checks eligibility, and sends the case through your internal approval flow.
-
Once approved, new schedules are generated, and digital payment commitments are captured with full traceability.
-
Both your team and the customer receive real-time updates, automated reminders, and visibility every step of the way.
Built with banks in mind – and customers at heart
Self-service portal
Empower your clients to manage restructuring on their own terms.
- Submit restructuring requests
- Simulate repayment options with built-in calculators
- Track progress in real time
BENEFITS: Fewer branch visits, less call centre traffic, happier clients
Growth opportunities & easy integration
Make restructuring a source of new value – not just recovery.
- Use it to cross-sell, consolidate, or offer new credit
- Integrated payment options: PayPal, Apple Pay, Google Pay, and more
- Seamless API connections with your existing platforms
BENEFITS: New revenue streams, no disruption
Intelligent automation at the core
Workflows that do the heavy lifting, so your team doesn’t have to.
- Auto-generated schedules & approval paths
- Digital payment promises
- Automated notifications & status updates
BENEFITS: Lower operational costs, fewer errors, faster outcomes
Flexible restructuring tools
Adapt repayment plans to match real-life situations.
- Term extensions, interest reductions, payment holidays
- Real-time adjustments visible to both parties
BENEFITS: Preventing non-performing loans (NPLs) before they occur, keeping clients in your portfolio
Risk monitoring with real-time alerts
Stay ahead of risks with actionable insights.
- Track repayment behaviour
- Automated alerts for delays or deviations from the schedule
- Integration with scoring systems
BENEFITS: Early warning signals = smarter risk management
Security and compliance
Built to meet the highest banking and regulatory standards.
- End-to-end encryption and secure access control
- GDPR and PSD2-ready
- Full audit trail for every action
BENEFITS: Full legal compliance, customer trust, and peace of mind
Let’s make restructuring smarter, together
Discover how your bank can reduce risk, improve customer retention, and serve clients better through a smarter restructuring experience.
