Debbie
PARTNERSHIP

Leave legacy behind – with a local partner by your side

Debbie and Caporum give collection agencies in Sweden, Norway and Finland a modern, cloud-based collection platform – with local migration, implementation and authority integration all the way to the enforcement authorities.

01 – Why now

Many collection agencies are facing a system change

Several of the platforms the industry was built on are on-prem, hard to change and approaching the end of their lifecycle. The question is no longer whether to replace them – but what to move to, and how to do it without the business standing still.

Our partnership answers both: a modern platform, an experienced local partner for the migration, and a ready-made route to the authorities.

02 – The partnership

Three strengths. One proposition.

Debbie

The platform
  • Cloud-based collection platform for cases, communication, payments and instalment plans
  • Automated flows for repetitive work – AI where it makes a difference
  • Real time and horizontal scalability instead of batch runs
  • EU/EEA hosting with full audit trails

Caporum

Local expertise
  • Deep knowledge of Nordic debt collection and the industry's systems
  • Migration of data and processes from existing systems
  • Implementation, integrations and consulting
  • Local presence in Gothenburg, and in Norway through Caporum AS

COBB (Bailiff Broker)

Authority integration
  • One integration to Nordic enforcement authorities instead of one per country
  • Kronofogden (SE), ELSA/ELAN (NO), Santra, Uljas and E-Tuomio (FI)
  • Failed cases are isolated – the rest keep processing
  • Full case visibility in MyCOBB

Together: a credible Nordic alternative to legacy collection systems.

03 – How it works

One path – from your current system to live operations

  1. Analysis and plan

    Led by: Caporum + Debbie

    We map your processes, data and integrations and build a plan for the switch.

  2. Migration

    Led by: Caporum

    Cases, history and data are moved in a structured way from your existing system.

  3. Configuration

    Led by: Debbie + Caporum

    Flows, communication and payments are set up around your business and your clients.

  4. Authorities via COBB

    Led by: Caporum

    Connection to Kronofogden and its Nordic counterparts, including end-to-end testing.

  5. Operate and improve

    Led by: Debbie

    You work in real time, automate more over time and receive continuous updates.

04 – Markets

Built for Sweden, Norway and Finland

Available

SE – Sweden

For Swedish collection agencies that want to leave a legacy system without losing momentum.

Authority
Kronofogden via COBB
Digital communication
Including Kivra
Local support
Caporum's team in Gothenburg
Available

NO – Norway

Many Norwegian players need to choose a new platform in the coming years. We make the switch safe – with a local footprint.

Authority
ELSA/ELAN via COBB
Digital communication
Including Digipost
Local support
Caporum AS, member of Virke
Next phase

FI – Finland

COBB already supports the Finnish authorities. We are now extending the joint offering – get in touch if you want to be early.

Authorities
Santra, Uljas and E-Tuomio via COBB
05 – The value for you

What you get with Debbie × Caporum

  • One whole – the full collection chain

    Platform, migration and authority integration fit together from day one.

  • A safe system change

    Migration is handled by a team that knows both your old systems and the collection industry.

  • Automate what you can – AI where it matters

    Standard flows handle the repetitive work. Wincent handles the complex, such as categorising and answering debtor questions within your own guardrails.

  • Real time instead of batch

    Up-to-date cases and debtor data when you need them – not after the nightly run.

  • One route to the authorities

    One integration via COBB to the authorities in Sweden, Norway and Finland, with robust error handling.

  • A better debtor experience

    Smooth communication and self-service make it easier for debtors to find a solution – quickly and without friction.

Frequently asked questions

Questions about the partnership

Which authorities can we connect to?

COBB supports Kronofogden in Sweden, ELSA/ELAN in Norway, and Santra, Uljas and E-Tuomio in Finland. Each customer gets its own connection – for example a submitter code with Kronofogden – and an end-to-end test before go-live.

Who does what in the partnership?

Debbie provides the collection platform. Caporum handles migration, implementation and local support, as well as authority integration via COBB.

Where is our data stored?

Debbie is hosted in the EU/EEA with full audit trails. COBB is a cloud service with secure communication and role-based access.

How do we get started?

Book a demo or contact us. We start with a short review of your current system and goals, and then propose a plan for the switch.

Facing a system change?

Let's talk about what a modern platform – and a local partner – could do for your business.

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