This document discusses how Intrum Justitia Group, a market leader in credit management, can help companies increase sales, reduce risk, and automate credit management processes. It outlines Intrum's credit scoring system that assigns risk profiles to customers. Companies can integrate this system to set acceptance criteria and payment conditions. Intrum also offers payment handling services through the Buckaroo platform to provide various payment options. The document provides tips on using credit management and payment automation to improve cash flow.

1. How to increase sales, reduce risk and
automate your Credit Management Processes

2. Intrum Justitia Group
• Market leader in Credit Management
• Dynamic pan-European company with main office in Sweden
• 3,400 employees worldwide
• € 430 m revenue in 2011
• More than 90,000 clients in 20 countries
• Listed on Nasdaq OMX Stockholm

4. Payment after reception of goods & invoice
But....

5. What about Profitability ?!

7. Credit scoring of your prospects/clients

8. Risk indicator Acceptation and
for client CRM or Custom made traffic light payment advise for Translation to acceptation criteria
financial purpose based on Risk Profile webshop / e-commerce and payment conditions
No acceptance or very strict conditions,
1 always guaranteed payment methods
Acceptance on strict conditions, only
2 NO guaranteed payment methods
Acceptance on certain conditions, only
guaranteed payment methods or
3 advance
4
Acceptance, payment after reception of
5 goods on certain conditions
6 YES
7 Acceptance, payment after receprion of
goods as a payment possibility
8
9
10

9. Bron: internetmarketingbureau Wijs

10. Client to process
NAL + birthdate
Transaction + clientdata
Order module
Scoring
by Credit
Possibility to pay Decision
Prepay
by invoice
Payment module
module

12. Intrum payment Services with Buckaroo platform
 customer can use any
payment method or can
Low risk profile be flagged as low risk
Scorecard 1:
Input Values
Additional services IJ
• Payment handling
Credit
• Outsourcing for sending e-
Information
reminders
• integrated collections
• Payment guarantee (PD)
request (direct and)
 guaranteed payment
before delivery or flag
High risk profile
as high risk with specific
treatment plan

13. Intrum Payment Services / Buckaroo
• Online payment voor webwinkels
• Billing & payment voor bedrijven
• Volledige internetbankieromgeving
• Software op basis van SaaS

14. Verschijningsvormen

15. Indeling betaalwijzen
Directe gegarandeerde betaalmethoden o.a.:
Terug te draaien betaling :
Gegarandeerd achteraf

16. Meer dan alleen een internetkassa ..

17. Groei door achteraf betalen incl. beheersing risico
• Automatisch versturen van e-maningen
• E-Maningen voorzien van unieke betaalknop
• E-Maningen templates in eigen huisstijl
• Meerdere herinneringsschema’s
• Zelf in te stellen administratiekosten
• Zelf in te stellen termijnen
• Naadloze overdracht naar Intrum Collection
• Rapportages m.b.t. openstaande vorderingen

18. Follow the E-invoicing trend
• http://www.youtube.com/watch?v=6
EN3hv_95Xs

19. Tips
1. Do the math / maak je businesscase.
2. Beoordeel leverancier op het totale proces van order to
cash.
3. Kies voor opbrengsten ipv kosten, reken af op resultaat.
4. Think big , act small : start een proeftuin.
5. Denk vanuit de consument / bedrijf , biedt gemak.
6. A/B Testing , ‘oude factuur’ versus Pay per Email.
7. Automatiseer de tijdsvreters : recollect , creditmanagement.
8. Investeer in toekomst , beoordeel op innovatie. ( BCS, eM!)

20. Lobke Destrooper
l.destrooper@intrum.com
Erik Serré
e.serre@buckaroo.nl