Combining expertise and innovation for responsible credit management

Digital experience through advanced technology & AI-driven solutions

Digitalisation is playing an increasingly important role in creating better interfaces for clients and customers. It is becoming more convenient for customers to pay, obtain an overview of their debts, and perform tasks through self-serve portals, while we offer clients real time analytics.

In 2023, Intrum acquired technology-based Ophelos and eCollect (rebranded to Inio). We have made great progress toward onboarding several markets to technologically advanced platforms across markets.

Ophelos is Intrum's AI-powered platform

Ophelos, part of Intrum, uses machine learning to tailor the automated messaging strategies to each customer, encouraging them onto the easily accessible self-serve digital journey. This enables support teams to focus on the most vulnerable customers. 

At the same time, the platform provides clients realtime overview of all performance, engagement and
cohort data. With Ophelos’ AI-native platform and customer centric approach, we are able to reduce churn, improve satisfaction and increase returns for our clients.

Inio is Intrum's advanced digital billing solution

Inio by Intrum, our proprietary digital billing and payments platform, features fully digital, white-label invoicing and early collection services.

With over 60 payment integrations, including bank transfers, cards, and direct debit, Inio offers a billing solution designed to enhance customer loyalty and streamline payment resolution. It provides secure processing and real-time credit payment insights.  

Sustainable and ethical credit management

Responsible credit management is at the core of what we do. Through our frameworks, policies and instructions, we ensure fair treatment of customers in a structured way, helping them navigate financial challenges with dignity, while businesses maintain a healthy financial position.

Agents in our contact centers are key people responsible for the respectful treatment. Our employee training, Treating Customers Fairly (TCF), is provided in all markets and is an extension of our Code of Conduct.

Compliance and regulatory expertise

At Intrum, we uphold the highest standards of compliance, ensuring that our services align with national and international laws, industry regulations, and ethical best practices.

This ensures that businesses partnering with us can operate with confidence, knowing they are meeting their obligations while maintaining fair and transparent financial practices across all markets.

Financial education and insights

We believe that financial education is key to long-term financial wellbeing, both for individuals and businesses. By equipping people with the knowledge and tools they need to manage their finances effectively, we help prevent financial distress and create a more sustainable credit ecosystem.

As the industry leader, Intrum plays an active role in shaping the future of credit management. We engage in ongoing dialogue with EU bodies, legislators, and trade associations to advocate for flexible, responsible solutions that consider consumers' ability to pay. With a vast amount of data, we provide unique insights into financial trends, payment behaviours, and economic outlooks, offering businesses and policymakers valuable knowledge to navigate the evolving financial landscape.