Support for automation in debt collection

Tatra banka decided to automate the monitoring of high-risk receivables as extensively as possible. The Collections Software integration project focuses on automating the debt collection process for retail banking products. The affected systems were integrated through the development of a software middleware layer called Middle Layer.

Middle Layer automates debt collection for the following retail products:

• mortgage loans
• unsecured consumer loans
• credit cards
• overdrafts on current accounts

The system collects data from the bank’s production systems and applications, converts it into the required structured format and sends the prepared data to the target system for processing.

It then distributes the processing results to the relevant systems within the bank and automatically generates the actions required to address emerging risks. This significantly improves the early detection of problematic receivables and helps reduce their volume within the lending portfolio.

By enabling timely and effective action, the solution also helps the bank reduce potential financial losses and avoid possible legal disputes.