- Difficult handling of credit applications - manual work for assessing inquiries, transcribing emails into systems.
- Lack of scoring models or connections to such systems.
- The Central Credit Register requires weekly and monthly reports on companies' activities, having their specifics, modifications, and the need for accurate information submission.
- Manual or semi-automatic preparation of files can consume a significant amount of valuable resources.
- Lack of control points for monitoring the "health" of loans - reviewing and manually sending reminder letters or SMS for overdue payments can become inefficient.
- Processes for both "soft" (calls and notifications) and "hard" (filing cases) debt collection are disconnected from the core information system and, in the best case, managed using Excel.
- External or internal accounting struggles to find the necessary information to correctly account for real-time transactions (due to the particular recognition of revenue from activities).