AI and credits

From Intrum an AI tool within the reach of all companies to turn unpaid receivables into liquidity

A platform to charge bad debts: artificial intelligence analyses them and finds the best systems for a solution. You only pay a percentage of the amount actually recovered

20 June 2025

2' min read

The payment challenge is not only related to simplification, speed and choice, but also to the possibility of late or non-payment, a problem that affects two thirds of Italian companies. Especially for the smallest ones, it becomes a complicated ballast to manage, absorbing considerable resources in terms of energy and time.

This is why Intrum Italy, a specialist in the servicing of impaired loans, launched some time ago a solution designed specifically to solve this problem for small and medium-sized companies, helping them to solve liquidity problems in a simple and automated manner, thus allowing them to concentrate on their core business.

"Intrum for you", available in three different packages based on solutions tailored to the needs of individual companies, is a platform that allows companies to upload all unpaid receivables, which are analysed and for which a suitable solution is proposed to turn them into liquidity for the company. The self-service solution is built on agent AI models enabled by OpheIos, the company acquired by Intrum that is expanding the company's service offering in terms of automation and efficiency.

"The goal,' explains Intrum Italy CEO Enrico Risso, 'is to utilise the potential of artificial intelligence by going beyond mere cost reduction to also leverage revenues, transforming business models through more reliable data evaluation and improved process management.

With this in mind, the Intrum for you solution envisages a 'pay per use' payment, with the recognition of a percentage on the sums actually recovered. Intrum expects the service to cover up to 200,000 SMEs, in principle guaranteeing an above-average recovery rate.

Thanks in part to the expertise provided by OpheIos, Intrum is accelerating its adoption of AI to make the processes of managing and recovering bad debts more efficient. Agent-based AI solutions, with their ability to reason, act and have memory applied to individual functionalities, make it possible to think about an overall transformation of processes by automating cognitive activity.

In this key, Intrum aims to make the entire process involving retail, credit management for individuals and small businesses, which is already largely standardised, automatic, thus enhancing the contribution of human agents. Already today, the introduction of Olivia, an intelligent chatbot, simplifies the process by managing the entire inbound, but already aims to expand the activity by involving all contacts.

In the meantime, the entire debt collection process at the retail level is already being automated or interacting with the chatbot for case management. "Interacting with a non-human system reduces the perception of judgement," Risso summarises, "favouring greater openness and willingness on the part of the user, which greatly improves the customer experience. At the same time, the process is tracked at every step, which is also particularly relevant from the regulatory compliance point of view'.

Pierangelo SoldaviniVicecaporedattore
Luogo: Milano
Lingue parlate: Italiano, Inglese
Argomenti: innovazione, digitale, didattica, critpovalute, blockchain
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