Installment payments have become a standard in modern e-commerce. Yet behind this apparent simplicity lies a major challenge: managing unpaid debts without damaging customer relationships.
For several years, a major player in Buy Now Pay Later (BNPL) and consumer credit has entrusted Armatis with its entire amicable and pre-litigation debt recovery operations.
Significant reduction in cases escalating to litigation.
More pedagogical, targeted, and less intrusive approach.
Better securing of 3x/4x payment schedules.
Banking & Insurance
Debt Recovery / Omnichannel
Guarantee an excellent recovery service in strict compliance with applicable regulations and industry best practices.
Maintain high standards of ethics and compliance across all interactions with customers in default.
Preserve brand image while securing cash inflows and the profitability of the BNPL model.
Maximize collections on recent debts (>5 days overdue) without systematic recourse to litigation.
Limit over-solicitation risks and tense situations with debtors.
Transform recovery into a client re-engagement lever, especially for multi-debtors.
Balance financial performance (efficiency rates, cash securing) with a responsible relational posture, in a highly regulated context scrutinized by regulators and consumers alike.
A dedicated team, specifically trained in amicable and pre-litigation processes for installment payments.
Implementation of a robust training organization, with enhanced and ongoing support to build advisor competencies.
Innovation and continuous improvement approach, co-piloted with the client: script adjustments, relaunch scenarios, debt segmentation.
Progressive rollout of new channels (social media, chat, etc.) to reach debtors on their preferred platforms.
Management of all relaunch stages with B2C clients, from first defaults to pre-litigation actions, using a pedagogical, solution-oriented approach.
Tracking and securing installment payment schedules to ensure continuity of 3x/4x plans and minimize missed deadlines.
Handling interactions across multiple channels.
Calls, email, chat, social media… each channel used only when it adds value.
Every interaction becomes a negotiation and payment opportunity.
Resolution, reassurance, rebuilding healthier relationships.
Processes, targeting, customer journeys: everything optimized continuously between Armatis and the client.
A center where regulatory rigor, ethics, and performance mutually reinforce each other.
Teams trained on an ongoing basis, able to adapt discourse and channels to every situation.
A long-term partnership approach where recovery becomes a business model safeguard and loyalty driver, rather than a mere cost center.
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