This mechanism requires accurate and timely loan and customer data, which often entails changes to legacy IT systems.The ability to spot how individual customers will be impacted by the pandemic will be the differentiating factor and value driver for banking and lending organisations.
Identifying whose financial circumstances are adversely affected and to what extent is difficult – especially given the variance in moratoriums, the duration of the recession, the pace of an economic recovery and the changes in consumer behaviour caused by lockdowns. At QUALCO we have seen that combining this approach with machine learning and a comprehensive collections system revolutionises NPL management operations and radically reduces losses.
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