Measure the value of informed action.
Connected knowledge and predictive intelligence inform the next action. We measure whether that judgement, delivered through the appropriate channel, creates additional value. The economics include digital-first delivery, human expertise and the outcome that follows.
Measure the whole lifecycle. Count each benefit once.
Digital agents query experts while retaining the conversation. When a specialist takes over, digital guidance continues. We include the work across that complete journey in the economic case.
| Area | What to establish |
|---|---|
| Before arrears | Attributable changes in new collections entries, payment continuity and expected credit losses, after prevention costs. |
| After arrears | Incremental net cash, cure and roll rates, sustainable arrangements and repeat debt across comparable balances. |
| Operations | Digital delivery, including voice, expert consultation, specialist handling and continued assistance. Include oversight, integration, implementation and genuinely releasable capacity. |
| Client net value | Attributable benefits less the full cost of the service and agreed fees, with cash and accounting effects separated. |
Improvement needs a fair comparison.
We establish the original baseline and assess interventions against a suitable control or comparable population. Eligibility, entry criteria and observation periods stay clear. The analysis accounts for changes in the portfolio, including a harder recovery book if prevention removes easier cases.
We distinguish the quality of a prediction from the effect of the chosen treatment. Avoided entries are not automatically cash savings. Recovery gains and avoided losses are adjusted for overlap before we calculate the value created.
Pay for the service. Reward verified outcomes.
Our commercial structure combines defined service consumption, including agreed digital and human interaction minutes, with outcome fees where value can be attributed. The schedule specifies included activity, applicable rates, usage records and any separate mobilisation or change charges.
Prevention fees can recognise attributable reductions in credit losses and collections costs. Recovery fees can recognise incremental net cash, subject to sustainable arrangements and customer safeguards. Agree measurement periods, comparisons and fee shares upfront.
Connect the service to your portfolio economics.
Understand the portfolio.
We connect account flows, customer knowledge, current treatments and operating costs, including customers who continued to pay.
Choose where to intervene.
We agree the population, action, timing and channel, with expected value, customer safeguards and a suitable comparison.
Agree the conditions for expansion.
We review the outcome and full cost, then use the evidence to improve the next decision or extend the service.
Inspect the evidence behind the business case.
From account outcome to attributable value
See the measure definitions, comparison design and an illustrative calculation, including what each result can and cannot establish.
Explore value & proofThe wider commercial model
Understand service consumption, outcome fees and the responsibilities for keeping the measurement transparent.
Value & commercialsWhere is the value in your portfolio?
Bring your prevention and recovery priorities. We connect the service to the commercial measures that matter to your business.