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Keep control of the relationship
Outsourcing collections often means losing control over how your customers are treated. Debbie makes it possible to move the process in-house so every interaction reflects your brand’s values and tone.
Enterprise solution · in-house collection
Make payment part of the customer journey
Debbie brings your collections into one platform – faster recovery, lower cost-to-collect, and a payment dialogue under your own brand that customers remember for the right reasons.
Full audit trail and access control
Secure integrations with ERP, CRM and finance systems
Built-in compliance and good collections practice
Selected customers
Why in-house
A controlled environment for your finance team
A decision about in-house collections isn’t just about operations. It’s about margins, compliance, secure integrations to your core systems – and how your brand is perceived by your customers. Debbie gives your finance department one controlled environment to handle overdue accounts without compromising on any of them.
ERP integration
Synchronize seamlessly with your existing finance tools.
Brand protection
Fully branded communication that does not feel threatening.
Lower costs
Reduce dependency on external agencies – it’s not just a cost question, it’s a question of who owns the customer journey.
The four tasks driving the decision
A collection agency (DCA) manages claims on behalf of many creditor clients. An enterprise with in-house collections manages its own – it’s your customers, your brand, and your board making demands. Below are the four tasks we most often see driving the decision for companies with in-house collection.
CFO/COOHead of CollectionsFinance OperationsCIO/CISOEnterprise ArchitectHead of CXCustomer manager
CFO/COO
01Margins under pressure as volume grows
Triggered by: Case volume is growing faster than the team, and manual processes put pressure on cost-to-collect.
Challenge
Contribution margin per case falls when prioritization and processing are manual — and new investment is hard to justify without a documented baseline.
Solution
Debbie prioritizes cases by likelihood of payment and automates processing, with a measurement model showing the actual effect from day one.
Value
Higher net recovery and contribution margin, lower cost-to-collect, and a documented basis for defending the investment to leadership and the board.
Head of Collections · Finance Operations
02Flows that cannot keep up with complexity
Triggered by: Multiple business units, brands or customer segments require their own rules and tone.
Challenge
Without flexible flows, the team ends up with special processes and manual work whenever a new unit or portfolio must be handled.
Solution
Configurable payment flows and escalation rules by segment — deployed without custom development and visible in real time.
Value
Higher resolution rate, less manual work, and new volume live in days rather than months.
CIO/CISO · Enterprise Architect
03Data spread across core systems
Triggered by: ERP, CRM and finance systems do not work together, and the legacy core system limits development.
Challenge
Nightly batch jobs and manual reconciliations create errors, vulnerabilities and a system no one dares change.
Solution
Well-documented, traceable interfaces and modular architecture without dependence on one vendor — with controlled migration from legacy.
Value
Secure, scalable operations with a full audit trail — and technological freedom over lock-in.
Head of CX · Customer manager
04Your brand is at stake with every reminder
Triggered by: All payment communication happens under your own name — there is no other brand to hide behind.
Challenge
Inconsistent tone, timing or escalation in payment dialogue costs trust, retention and reputation — exactly where the customer relationship is most vulnerable.
Solution
Consistent, empathetic payment flows and self-service under your brand, with early identification of risk cases before they become complaints.
Value
Fewer complaints and escalations, higher retention, and shared arrears insight so collections becomes a strategic function.
Invoice-to-cash
Debbie covers the entire journey from invoice to posted payment
From invoice to payment is also part of the customer journey – not just the final, most emotional step. Debbie ties the whole process together – from invoice issuance to when the payment is matched and posted – so your finance function doesn’t have to switch systems, and the customer doesn’t experience a breach in the relationship when a case escalates.
01ERP / invoicing system
Invoice issued
The invoice syncs automatically from your ERP or finance system, including its due date and terms.
02Digital mail / email / SMS
Automated reminder flow
Reminders are sent at the right time, through the right channel, under your own brand – before the case reaches collections.
03Prioritization / installment plans
Escalation and negotiation
Cases not resolved automatically are prioritized by likelihood of payment and escalated to an installment plan, negotiation or legal recovery – with a complete history.
04Cash application / posting
Payment matched and posted
Payments are automatically matched to the right invoices and posted back to the finance system – without manual reconciliation.
Why it matters for accounts receivable
Shorter DSO (days sales outstanding)
Fewer cases sent to external collections
Less manual payment reconciliation
One case visible to Finance, Sales and CX
05 How to get started
01
Mapping your landscape
We map your core systems, business units and rules together with you.
02
Configuration and integration
Flows, escalation rules and integrations with ERP, CRM and finance systems are configured and tested.
03
Operations and ongoing insight
Case handling goes live with a full audit trail, and you track the effect in real time.
Case: GreenMobility
How GreenMobility improves recovery – without losing customers
With more than 250,000 users and thousands of daily microtransactions, GreenMobility has automated its entire debtor-management process with Debbie – delivering significant results for both profitability and customer satisfaction.
47%
Higher recovery rate
By replacing aggressive reminder letters with friendly digital payment links, GreenMobility almost doubled its recovery rate in the first quarter.
92%
Customer retention after recovery
Customers who paid their outstanding balance through Debbie remained active users of GreenMobility’s car-sharing app – showing that respectful recovery preserves the customer relationship.
80%
Reduction in manual work
Automated workflows and platform-based communication freed GreenMobility’s finance team to focus on strategic work.
“Debbie acts as our new digital case handler. The platform ensures that we maximize recovery while caring for our customers and maintaining a good relationship with them.”
Mads Korning · CFO, GreenMobility
Case: NRGi
From manual reminders to better customer engagement
NRGi wanted to reduce disconnections for business customers and manual collection work. With Debbie, NRGi introduced automated early interventions, structured case handling and integration with its core systems.
0
1-star reviews of the recovery process
On Trustpilot since Debbie, according to Louise Helbæk. Previously close to 10%.
90%
Automation target
The target was to automate up to 90% of dunning and pre-collection workflows.
4 min > 1 min
Manual work per case
Structured case handling and integration with NRGi’s core systems support the team.
“We haven't had a single 1-star review on Trustpilot on our recovery process since we introduced Debbie. Previously, the share was close to 10% – now it’s zero.”
Louise Helbæk · Billing & Accounting Manager, NRGi
Ready to see how Debbie fits your collection process?
Book an informal walkthrough with our team – typically 30 minutes.