Resources &
Whitepapers
Practical research, benchmark data and implementation guides for risk, collections, and AI professionals across EU & CEE financial markets.
⭐ Featured Research
The Future of AI in CEE Debt Collection
How machine learning is reshaping collections strategy for banks and telcos across Central & Eastern Europe, with benchmarks from 15+ real deployments.
Banking · 28 pages
The Future of AI in CEE Debt Collection
How machine learning is reshaping collections strategy for banks and telcos across Central & Eastern Europe, with benchmarks from 15+ real deployments.
- Propensity-to-pay models lift recovery rates by 10–15%
- CEE-specific behavioural data outperforms generic EU models
- Full ROI payback in under 6 months for mid-tier banks
Telecommunications · 22 pages
Reducing Cost of Risk in Telco: A Data-Driven Playbook
A step-by-step operational guide for telecommunications companies to cut bad debt provisions by 10–20% using predictive segmentation and automated contact strategies.
- Segment 'at-risk' customers 60 days before default
- Automated multichannel contact cuts cost-per-contact by 35%
- Churn and delinquency share 78% of the same predictive signals
Financial Services · 18 pages
GDPR-Compliant AI Scoring: What Banks Need to Know
Legal framework, technical requirements and practical implementation guide for banks deploying ML-based credit scoring under EU data protection law.
- Article 22 explainability requirements for automated decisions
- Model documentation templates for DPA audits
- Right-to-explanation workflows for credit decisions
Fintech · 34 pages
SME Credit Risk in Eastern Europe: 2025 Benchmark Report
Comprehensive analysis of SME default patterns, credit limit optimisation strategies, and early warning indicators across 8 CEE markets.
- SME default rates 2.3× higher in Q1 vs Q3 across CEE
- Sector + seasonality models outperform bureau-only scoring by 19%
- Optimal credit limit triggers identified from 2M+ SME accounts
Banking · 20 pages
Contact Strategy Optimisation: From Rules to AI
How leading collections departments are replacing manual rule books with ML-driven contact orchestration to increase right-party contact rates while staying compliant.
- Right-party contact improves 28% with time-of-day ML models
- Channel preference modelling reduces opt-outs by 42%
- Integration with Avaya, Genesys and Salesforce covered
Banking · 16 pages
Upsell & Cross-Sell Intelligence for Retail Banks
Using next-best-offer AI models to grow wallet share within existing customer bases without increasing acquisition costs — a practical guide for retail banking teams.
- Next-best-offer models drive 5–10% revenue uplift
- Timing signals: when customers are most receptive to offers
- Segment-specific offer libraries for 6 customer archetypes
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