What We Offer
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- RETAIL BANKING
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- BUSINESS BANKING
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- PAYMENT SERVICES
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- CREDIT & LOAN SERVICES
BANKING Services
- RETAIL BANKING
Get Closer to Your Consumers No one can help you realize the full potential of the Internet channel better than California Networth Financial and Insurance. That’s because we own, operate, and drive the critical infrastructure behind our online solutions. The result: we deliver an exceptionally full range of services—that includes account opening and online lending as well as Internet banking and bill payment. And we wrap those services in expert 24/7 customer care and sophisticated, high-touch marketing. For consumers, this translates into unparalleled convenience and the ability to conduct virtually all of their banking online. For financial institutions, it means an Internet channel that is truly a source of sustained, long-term value.
Banking with Bill Payment
California Networth Financial and Insurance offers a variety of approaches to online banking and bill payment, from the turnkey Advantage edition to fully configurable Architect. Regardless of your choice, you’ll gain a premier service designed to build stronger relationships with your consumers and enhance your profitability.
ADVANTAGE
Deliver best-of-breed online banking, mobile, bill payment, and relationship management with minimal resource expenditure in a secure ASP environment.
ARCHITECT
Provide consumers with access to a highly intuitive, personalized online banking and mobile experience. Our robust Client Toolbox lets you manage the Administrative, Configuration and Development functions of your service. And, you decide how much empowerment and independence over these functions you want – California Networth Financial and Insurance can perform them for you, or we'll be here to support your efforts.
PayAnyone
A financial institution’s ultimate weapon in the battle for customer loyalty.
Let your customers pay all their bills, from the mortgage to the babysitter, in one place: your website. You get the credit while we see to it that your customers can make payments securely, quickly and free of charge. They’ll appreciate the convenience and reward you with loyalty.
PayAnyone gives you reliable and cost-effective back-office payment processing that integrates seamlessly with your online bill payment service. Moving funds quickly and accurately to a vast number of billers not only eliminates costly processing errors, but also makes for happier customers and a lower call center volume.
-Take advantage of our industry-leading accuracy—Our Electronic Biller Directory and Real-Time Digital Scanline® provide the best error detection in the industry, so invalid entries are quickly caught and remedied before the payment goes out.
-Reach more billers—Leverage our connection to a vast community of electronic payment networks to move funds quickly to more billers.
-Process fewer paper checks by enabling your customers to pay anyone electronically.
-Allow customers to even pay billers who aren’t set up to receive electronic payments—California Networth Financial and Insurance will issue a paper check whenever an electronic payment can’t be made.
-Keep your records up-to-date with a response file generated within three hours of receiving your payment file.
-Customer Service Interface allows instant analysis/reconciliation of payments while giving your CSRs the power to:
-Access payment history in real-time
-Handle customer inquiries
-Reconcile payment activity
-Retrieve proof of payment
-Stop, reissue or refund a payment
HOW IT WORKS
Detect entry errors—Real-Time Digital Scanline™ technology instantly detects errors, alerting customers to make corrections and ultimately lessening the chance of payment rejection.
Send payment instructions—The financial institution sends a daily file to California Networth Financial and Insurance compiling all customers’ instructions to pay specific bills.
Validate payment information— California Networth Financial and Insurance’s Digital Scanline technology verifies that account numbers and remit addresses are valid.
Process and respond—Princeton eCom processes payments, sends a response file, and generates reconciliation reports.
Disburse—Payments are sent electronically to payees; a paper check is issued when a payee cannot accept electronic payments.
Online Account Opening
Grow Your Business - Automatically
Online Account Opening takes your rules for application processing and applies them in a fast, automated, systematic way. Deployed online or enterprise-wide, Online Account Opening dramatically accelerates credit and identity verification and introduces a host of upselling and cross-selling opportunities.
Streamline Enrollment
Online Account Opening cuts costs by imposing order on the enrollment process, minimizing errors, slashing paperwork, and eliminating redundant data entry.
Mitigate Risk
With support for over 40 third-party interfaces, Online Account Opening gives you unequaled latitude to apply the most stringent criteria for minimizing risk.
Boost revenue
Thanks to its speed and convenience, Online Account Opening encourages consumer acquisition while providing a platform for real-time upselling and cross-selling.
Mobile Banking SM is a powerful way to help your most valued consumers stay connected-both to your online channel and to your financial institution.
There's more to cell phones these days than just talk. The advent of high-speed networks and powerful smartphones mean that consumers are now looking to their cell phones for on-the-go access. Be among the first to add Mobile Banking to your menu of online services. Mobile Banking is a next-generation phonebased application that provides fast, secure, and reliable OFX connectivity to your Internet channel.
Give your customers the option of doing online banking and bill payment on their cellphones in minutes!
Provides secure, full-featured access to your online channel.
Mobile Banking uses fast and secure OFX connectivity for financial data exchange and even incorporates anti-phishing and fraud protection technology. Perhaps best of all, it allows users to manage their funds almost like they would on your website, including:
Check balances and account history
Download transactions
Initiate funds transfers
Schedule bill payments
Review bill payment history
Receive alerts and secure messages
Integrates seamlessly with existing cell phone equipment.
Supports Windows Mobile, Blackberry, and late-model Java-enabled cell phones.
Integrates flawlessly with the 3-G broadband services from all cellular providers.
Downloads and installs in just minutes!
Mobile Banking and Bill Payment features a clean, easy-to-navigate interface specially designed for cellphone screens.
Money HQSM transforms your online banking and bill payment site into your consumers' primary finance center. It gives them the ability to view all their online foreign accounts and bills at your online banking center regardless of their origin. Consumers can even act on this information, transferring funds between accounts, executing payments, and setting alerts based on account balances and due dates.
Best of all, Money HQSM provides an opportunity for increased revenue from user fees and further offers added cross-selling opportunities.
Consolidates your consumer's foreign account and billing information.
Includes advanced payment and transfer tools.
Powers your channel's profitability through increased bill payment.
Increases retention and provides opportunities for cross-selling.
Extract Full Value from Your Internet Channel
Each Internet banking and bill payment transaction represents an opportunity, repeated over and over each day, for financial institutions to construct in-depth profiles of individual consumers, build stronger, more extensive relationships, and increase their profitability.
But this won’t happen by itself. By combining responsive customer care and highly targeted marketing, California Networth Financial and Insurance helps financial institutions take center stage as their consumers’ primary financial institution.
Customer Care: Exceeding Your Consumer's Expectations
The best consumer experience requires more than great technology. It requires great people, people who can transform a consumer question into an occasion to demonstrate your commitment to personal service—24 hours a day.
At California Networth Financial and Insurance, we make a substantial, ongoing investment in people, creating a highly knowledgeable customer care team with the experience to resolve issues quickly and empowered to pursue exceptions until they are resolved. It’s a customer care team that exceeds industry standards for responsiveness and effectiveness. When vital consumer relationships are at stake, you can’t afford anything less.
ICMSM Marketing: Your Key to Profitability
The fastest way to achieve profitability for your Internet channel is through highly targeted efforts that promote adoption, upsell to bill payment, and cross-selling throughout your consumer base. Thanks to our ICM marketing process, we do exactly that.
There are three elements to ICM. The tight integration of our online banking and bill payment platform. A state-of-the-art intelligence engine optimized for the banking industry. And marketing experts with a unique knowledge of the Internet banking cycle, gained over a decade of experience.
Together, these three elements are exceptionally effective in driving consumers through the Internet banking lifecycle from adoption to cross-sell. That’s why our clients enjoy the highest banking adoption and bill pay upsell rates in the industry.
Quicken® OFX Connectivity gives your online banking and bill payment consumers the best of both worlds. They can view balances, transfer funds and pay bills from within Quicken®,a the leading personal financial management software package from Intuit. Or they can use Quotien Internet Banking and Bill Payment from your web site.
With the unique integration of the Quotien Retail Application and Quicken® OFX connectivity, California Networth Financial and Insurance enables consumers to use either application while at home, work, or traveling.
-Streamlines recordkeeping for consumers.
-Gives consumers the choice of the online banking and bill payment platform that's most convenient.
When deployed across our integrated online banking and bill payment infrastructure, California Networth Financial and Insurance Fraud Protection tools provide a single, interlocking barrier, making it possible to monitor fraud, gather and analyze intelligence, and react to challenges with unprecedented speed and effectiveness.
FFIEC 2011 Guidance
On June 28, 2011, the FFIEC published a supplement to their 2005 "Authentication in an Internet Banking Environment" guidance.
In response to this supplemental guidance, California Networth Financial and Insurance will develop and deploy integrated, enhanced security offerings into our online banking and bill payment solutions. Our goal is to make conformance with the guidance as seamless and simple as possible for you and your end-users.
California Networth Financial and Insurance was one of the first providers to successfully meet the FFIEC's original 2005 authentication guidance and we are taking the same level of care and urgency in addressing the supplemental guidance.
Our enhanced security offerings will allow your Financial Institution to offer an anti-fraud program that conforms with the FFIEC guidance, and will also allow you to provide your end-users with peace of mind as they use your online service.
- BUSINESS BANKING
Business Banking from California Networth Financial and Insurance is a sophisticated suite of products and a highly effective solution that enables your financial institution to acquire, deepen and retain relationships with businesses of any size or type.
Build Relationships with Businesses –
Any Size, Any Type
With its robust set of administration tools, Business Banking gives you the ability to tailor a unique solution for virtually any business. Business owners can now set limits on the amount and types of transactions that can be authorized, as well as set restrictions on specific accounts that can be accessed.
Business Banking also provides a comprehensive set of solid online financial solutions. Users can conduct balance reporting, payroll direct deposits, vendor disbursements, book transfers and wire transfers. They can also utilize advanced ACH capabilities including federal tax payments.
To help your institution roll-out and successfully sustain your business banking services, California Networth Financial and Insurance offers a full spectrum of support services, ranging from implementation and training to marketing.
Business today can mean a lot of things, from a home office to a multi-national corporation. When it comes to meeting the online banking needs of your business users, no single solution can do the job.
California Networth Financial and Insurance offers a variety of online business banking services branded to your financial institution, so you can deliver targeted services to businesses of any size. Our Business Services provide the scalability your business users need. As your business clients prosper, your institution can offer expanded services to keep pace with their growth.
Small Business
A perfect foundation for sole proprietors and entrepreneurs just starting out. Give these clients the ability to manage their cash flow in real-time, transfer funds, and perform bill payments at anytime.
Business Banking
Business Banking from California Networth Financial and Insurance is a sophisticated suite of products and a highly effective solution than enables your financial institution to acquire, deepen and retain relationships with businesses of any size or type.
ACH Origination and Processingg
Automated Clearing House (ACH) services are key to securing profitable business customers and strengthening important deposit relationships while giving you the ability to generate additional fees. This easy-to-use straightforward module allows your commercial users the ability to do a variety of ACH payments.
PayAnyone
A financial institution’s ultimate weapon in the battle for customer loyalty.
Let your customers pay all their bills, from the mortgage to the babysitter, in one place: your website. You get the credit while we see to it that your customers can make payments securely, quickly and free of charge. They’ll appreciate the convenience and reward you with loyalty.
PayAnyone gives you reliable and cost-effective back-office payment processing that integrates seamlessly with your online bill payment service. Moving funds quickly and accurately to a vast number of billers not only eliminates costly processing errors, but also makes for happier customers and a lower call center volume.
Take advantage of our industry-leading accuracy—Our Electronic Biller Directory and Real-Time Digital Scanline® provide the best error detection in the industry, so invalid entries are quickly caught and remedied before the payment goes out.
Reach more billers—Leverage our connection to a vast community of electronic payment networks to move funds quickly to more billers.
Process fewer paper checks by enabling your customers to pay anyone electronically.
Allow customers to even pay billers who aren’t set up to receive electronic payments—California Networth Financial and Insurance will issue a paper check whenever an electronic payment can’t be made.
Keep your records up-to-date with a response file generated within three hours of receiving your payment file.
Customer Service Interface allows instant analysis/reconciliation of payments while giving your CSRs the power to:
-Access payment history in real-time
-Handle customer inquiries
-Reconcile payment activity
-Retrieve proof of payment
-Stop, reissue or refund a payment
HOW IT WORKS
Detect entry errors—Real-Time Digital Scanline™ technology instantly detects errors, alerting customers to make corrections and ultimately lessening the chance of payment rejection.
Send payment instructions—The financial institution sends a daily file to California Networth Financial and Insurance compiling all customers’ instructions to pay specific bills.
Validate payment information— California Networth Financial and Insurance’s Digital Scanline technology verifies that account numbers and remit addresses are valid.
Process and respond—Princeton eCom processes payments, sends a response file, and generates reconciliation reports.
Disburse—Payments are sent electronically to payees; a paper check is issued when a payee cannot accept electronic payments.
Quotien ACH Services
Key to Customer Retention, Profitability, and Cost-Reduction
Automated Clearing House (ACH) Services are key to securing profitable business customers and strengthening important deposit relationships. ACH drives revenue with increased deposits, fee income and additional cross-selling opportunities.
Adding ACH Services to your menu of services is attractive to your business customers. However, implementing and maintaining a successful ACH program presents significant challenges, especially for smaller financial institutions. California Networth Financial and Insurance's ACH Services offers you the opportunity to deploy a competitive, cost-effective ACH program that will enhance existing customer relationships, attract new customers and generate fee income. All without having to invest in the infrastructure and personnel to support in-house ACH services.
Quicken ® OFX Connectiviy gives your online banking and bill payment consumers the best of both worlds. They can view balances, transfer funds and pay bills from within Quicken®,a the leading personal financial management software package from Intuit. Or they can use Quotien Internet Banking and Bill Payment from your web site.
With the unique integration of the Quotien Retail Application and Quicken® OFX connectivity, California Networth Financial and Insurance enables consumers to use either application while at home, work, or traveling.
Streamlines recordkeeping for consumers.
Gives consumers the choice of the online banking and bill payment platform that's most convenient.
eCommerce Services
CollectPay Essentials is a web-based, bill payment solution that allows you to collect loan and credit card payments electronically. It's cost-effective, easy to implement, and customizable for your institution’s products and specific needs.
Thanks to CollectPay Essentials, consumers can make their credit card or loan payment from your website, even if they don’t have a deposit account with your financial institution. Since payments are collected from consumers and remitted to you electronically, you’ll be able to decrease the number of payments that today are made via existing consumer touchpoints, such as your branches and call center. And because CollectPay Essentials is offered in an outsourced/ASP environment, it is easy to implement and manage, making it possible for you to launch a branded electronic payment service in just weeks.
Consumer Experience—The Enrollment Module
When consumers click a “pay my bill” button on your website, they are seamlessly hyperlinked to your branded payment page. Once there, consumers can:
- Create a secure user profile in which they can enable up to five of their accounts at your financial institution for which they want to send you payments. Users can then store up to five funding accounts from which payments will be debited. Payment accounts can include credit cards, as well as savings and checking accounts at other financial institutions.
- View summary billing information for their accounts and services at your institution.
- Schedule one-time payments that will be sent to your financial institution “today” or at a later date.
CollectPay Essentials also automatically generates email notifications to the consumer when certain events have occurred, such as the confirmation of cancelled and processed payments.
Your Experience—The Client Console
Through the Client Console, your financial institution can respond to consumer inquiries with real-time payment information and can use the tool to supplement your existing reporting and payment reconciliation processes. You will be able to:
- Search for a payment using a variety of criteria.
- Review up to the minute, detailed information about a selected payment.
- Deploy the Console in your customer/member service and accounting areas to streamline communications and service performance.
- Generate reports that provide aggregate data on transactions, enrollment, and Console usage by your employees.
- PAYMENT SERVICES
The Gold Standard for Internet Bill Payment and Presentment
Speed is the critical driver of the consumer experience—and thanks to our guaranteed funds model, California Networth Financial and Insurance is second to none when it comes to delivering payments promptly. Combined with our exceptionally responsive customer care and sophisticated consumer marketing, California Networth Financial and Insurance Bill Payment and Presentment will drive the profitability of your Internet channel and strengthen your relationship with the consumer.
Bill Payment
Presentment Service
Relationship Management
Administrative Access
Configurations Options
Quality Guarantees
A financial institution’s ultimate weapon in the battle for customer loyalty.
Let your customers pay all their bills, from the mortgage to the babysitter, in one place: your website. You get the credit while we see to it that your customers can make payments securely, quickly and free of charge. They’ll appreciate the convenience and reward you with loyalty.
PayAnyone gives you reliable and cost-effective back-office payment processing that integrates seamlessly with your online bill payment service. Moving funds quickly and accurately to a vast number of billers not only eliminates costly processing errors, but also makes for happier customers and a lower call center volume.
Take advantage of our industry-leading accuracy—Our Electronic Biller Directory and Real-Time Digital Scanline® provide the best error detection in the industry, so invalid entries are quickly caught and remedied before the payment goes out.
Reach more billers—Leverage our connection to a vast community of electronic payment networks to move funds quickly to more billers.
Process fewer paper checks by enabling your customers to pay anyone electronically.
Allow customers to even pay billers who aren’t set up to receive electronic payments—California Networth Financial and Insurance will issue a paper check whenever an electronic payment can’t be made.
Keep your records up-to-date with a response file generated within three hours of receiving your payment file.
Customer Service Interface allows instant analysis/reconciliation of payments while giving your CSRs the power to:
Access payment history in real-time
Handle customer inquiries
Reconcile payment activity
Retrieve proof of payment
Stop, reissue or refund a payment
HOW IT WORKS
Detect entry errors—Real-Time Digital Scanline™ technology instantly detects errors, alerting customers to make corrections and ultimately lessening the chance of payment rejection.
Send payment instructions—The financial institution sends a daily file to California Networth Financial and Insurance compiling all customers’ instructions to pay specific bills.
Validate payment information— California Networth Financial and Insurance’s Digital Scanline technology verifies that account numbers and remit addresses are valid.
Process and respond—Princeton eCom processes payments, sends a response file, and generates reconciliation reports.
Disburse—Payments are sent electronically to payees; a paper check is issued when a payee cannot accept electronic payments.
The Industry’s 1st Same-Day Payment Service & Today's Premier Choice
California Networth Financial and Insurance Expedited Payments is offered as a standard feature within our suite of integrated banking and bill payment solutions. The service can also extend directly into any existing user interface or complement any bill pay service as a stand-alone solution. Plus, through the power of the California Networth Financial and Insurance Billing Endpoint Network—delivery and posting of all expedited payments to customer accounts is guaranteed.
Here's how California Networth Financial and Insurance Expedited Payments will enhance your online channel:
Faster Bill Payment Delivery Maximizes Your Bottom Line
- Generate new revenue by offering premium same-day and next-day payment options that consumers are seeking today to help manage their finances.
- Support consumer lifetime value by strengthening your position as the consumers' preferred payment channel.
- Drive greater bill pay adoption and usage to create more trusted, satisfied and profitable consumer relationships.
Modular Design Integrates Easily with Existing Systems
- Extend services to existing banking or bill pay applications and to branch, phone or ATM systems.
- Implement an intuitive payment process that fits your current customer experience, without disrupting existing services.
- Scale offerings to handle all customer payments or select levels based on your business rules.
Unmatched Technology & Extensive Industry Experience Provide Superior Support
- Eliminate returned payments and ensure secure transactions with extensive biller management services.
- Access complete payment information with our web-based administrative tools.
- Partner with a trusted industry leader to receive reliable guidance from experienced payment professionals.
Mobile Banking SM is a powerful way to help your most valued consumers stay connected-both to your online channel and to your financial institution.
There's more to cell phones these days than just talk. The advent of high-speed networks and powerful smartphones mean that consumers are now looking to their cell phones for on-the-go access. Be among the first to add Mobile Banking to your menu of online services. Mobile Banking is a next-generation phonebased application that provides fast, secure, and reliable OFX connectivity to your Internet channel.
Give your customers the option of doing online banking and bill payment on their cellphones in minutes!
Provides secure, full-featured access to your online channel.
Mobile Banking uses fast and secure OFX connectivity for financial data exchange and even incorporates anti-phishing and fraud protection technology. Perhaps best of all, it allows users to manage their funds almost like they would on your website, including:
- Check balances and account history
- Download transactions
- Initiate funds transfers
- Schedule bill payments
- Review bill payment history
- Receive alerts and secure messages
Integrates seamlessly with existing cell phone equipment.
- Supports Windows Mobile, Blackberry, and late-model Java-enabled cell phones.
- Integrates flawlessly with the 3-G broadband services from all cellular providers.
- Downloads and installs in just minutes!
Mobile Banking and Bill Payment features a clean, easy-to-navigate interface specially designed for cellphone screens.
California Networth Financial and Insurance offers a series of advanced tools designed to anticipate the needs of your consumers, increase the utility of your services, and place your Web site at the center of their online financial world. Not only do these services position you as a leader in online banking and bill payment services, but they provide expanded opportunities to cross-sell additional products and services.
Money HQsm
Consolidates all consumer's account and billing information.
Includes advanced payment and transfer tools.
Powers your channel's profitability through increased bill payment.
Increases retention and provides opportunities for cross-selling.
QuickBooks® OFX Connectivity
Streamlines recordkeeping for consumers.
Gives consumers the choice of the online banking and bill payment platform that's most convenient.
- CREDIT & LOAN SERVICES
Online Lending
Automatically More Effective in Growing Your Loan Portfolio
Online Lending streamlines the process of entering, validating and rendering instant approval decisions on loan applications while preserving your ability to define their terms. It reduces error, ensures consistency, decreases delinquency rates, and boosts ROI through upsell and cross-sell.
Maximize Revenue
Online Lending is a powerful, economical way to add the Internet channel to your loan pipeline, setting the stage for dramatic growth in loan revenues and more extensive consumer relationships.
Manage the Process
Thanks to its built-in intelligence and clean interface, Online Lending guides users swiftly and surely through the loan application process, substantially reducing operating costs and error.
Mitigate Risk
Online Lending highly configurable decision engine can implement the most sophisticated lending strategies, while its real-time integration with credit bureau services minimizes credit risk and delinquency rates.
Increase your profits-automatically.
Build your Loan portfolio.
Reduce operating costs and errors.
Mitigate risk with real-time automated credit bureau integration.
With Online Lending, your loan office is open for business 24x7.
Maximize Revenue
Grow your loan portfolio and build long-term income-producing relationships.
Online lending is a powerful, economical way to add the internet channel to your loan pipeline, setting the stage for dramatic growth in loan renenues.
Manage the Process
Cut costs and reduce errors, online and in the branch.
Thanks to its built-in intelligent and clean interface, Online Lending guides consumers swiftly and surely through the loan application process, substntially reducing operatin costs. It enables financial institutions to shift the application process online with the confidence that consumers will submit accurate, error-free applications. In addition, your branch personnel can use the Intranet version to complete loan applications accurately and efficently without additional training.
The Smart Way to Automate the Lending Process.
Mitigate Risk
Apply your loan origination rules in real time with unprecedented consistency and minimize your credit risk.
Online Lending gives you the best of both worlds. Its highly configurable decision engine can implement the most sophisticated lending strategies, accommodatin multiple credit matrices and ensuring that consumers are presented with products that meet their risk profile.
At the same time, its real-time integration with credit bureau services provides the up-to-the-minute information that's vital in avoiding credit risk and reducing delinquency rates. Online Lending is preconfigured to integrate with Experian, TransUnion, and Equifax.
Automatic document preparetion helps minimize paperwork and satisfies compliance requirements.
A Solution for Online Debt Collection
Virtual Collection Agent™
Offer your customers a tool to self-cure in a preferred, non-confrontational environment, while you collect more and maintain full compliance and security.
The Virtual Collection Agent is an easy-to-use, robust online collection tool that is PCI-compliant and enables creditors of any size manage any type of debt. With a highly configurable system, you can easily determine and implement your credit strategies. Offer debtors negotiated payment terms, account holder education and assistance, and online payment integration to provide a positive end-to-end experience.
Debtors self-cure 24/7 in a user-friendly environment that lets them submit payments, make promises, or enroll in payment plans. Client results have proven this solution to be an especially effective tool for contacting hard-to-reach debtors.
The Virtual Collection Agent delivers a host of benefits and features to help you:
- Collect more at a much lower cost-to-collect
- Be assured of full compliance and security
- Gain instant scalability to respond to business and market needs
- Maintain ultimate control over strategy, rules and implementation
First-Party Collectors Benefit from Relationship Management
Lenders, billers and other first-party collectors will collect more, while building customer loyalty and maintaining valuable relationships. Enhance your brand and keep customers for life by turning a potentially negative experience into a positive one.
Third-Party Collectors Benefit from Higher Productivity
Collection agency and debt buyers can manage all accounts, streamline operations, and improve liquidation at a lower cost-to-collect. Manage the needs of multiple clients, deliver impressive results efficiently, and scale your operation instantly.