The QUALCO Data-Driven Decisions Engine (D3E) replaces static decision-making with algorithmic precision. By analysing debtor-level data, payment patterns, and DCA-specific performance, D3E identifies the optimal DCA for each case—improving outcomes while preserving operational stability. 

AI Model Development
Two AI predictive models are trained per debtor–DCA pair: a classification one to predict payment likelihood and a regression one to estimate expected recovery value.

Prediction & Allocation Calculation 
D3E combines these outputs to forecast recovery per pairing, accounting for DCA-specific constraints such as capacity limits.

Optimised Assignment Strategy 
An optimiser algorithmically computes the most profitable and feasible allocation strategy across the entire portfolio by analysing a broad spectrum of assignment possibilities. 

QUALCO Data-Driven Decision Engine (D3E) reshapes contact strategies, especially for accounts with limited recent engagement. The platform intelligently predicts contact success through automated segmentation, enabling precise prioritisation, efficient resource use, and maximised collection rates. 

AI Model Development

Create a model predicting debtors or third parties likely to respond to phone communication.

Customer Segmentation

Identify high and low-response customer segments for targeted contact.

Calls Prioritisation

Focus outreach on uncontacted customers who are most likely to respond.

The QUALCO Data-Driven Decision Engine (D3E) leverages AI to identify high-risk settlements by analysing various parameters, such as unpaid settlement amounts and time since the last missed payment.

AI Model Development

Develop a model that predicts which settlements will most likely miss their next payment. 

Account Segmentation

Classify accounts into low, medium & high-risk, applying tailored treatments. 

Strategy Formation

Tailor strategies based on the outcomes of different risk segments. 

The QUALCO Data-Driven Decision Engine (D3E) leverages advanced AI and predictive analytics to optimise communication channels, boost contact rates, and enhance payment arrangements. By identifying the most effective communication methods, D3E enables customised strategies that increase engagement and maximise returns. 

AI Model Development 

Create individual models per communication channel using historical data to improve positive outcomes. 

Customer Segmentation

Categorise customers by channel responsiveness, allowing identification of those who are less likely to engage. 

Channel Optimisation 

Select the best channel for each customer to maximise positive response rates, avoiding redundancy and confusion. 

The AI models of QUALCO Data-Driven Decision Engine (D3E) predict customer interest, generating tailored product recommendations to maximise cross-selling opportunities.

ΑΙ Model Development

Develop a model linking different predictive factors to each available product, refining cross-selling recommendations. 

Customer Segmentation

Focus cross-selling efforts on high-response segments.

Marketing Strategy Formulation 

Design campaigns aligned with customer preferences. 

The AI models of the QUALCO Data-Driven Decision Engine (D3E) analyse loan default probabilities, proposing alternative terms for high-risk loans and identifying opportunities in previously rejected ones.

AI Model Development

Build models using historical data on approved loans to predict default probabilities and expected recovery amounts.

Customer Segmentation

Segment loans based on their default likelihood and the expected recovery rates.

Strategy Selection 

Review and adjust loan approvals, rejections or terms. Identify opportunities in previously declined loans and propose distinct loan origination strategies.

QUALCO Data-Driven Decision Engine (D3E) improves fraud detection rates by identifying patterns that indicate potential fraud during onboarding. 

ΑΙ Model Development

Develop a machine learning model to assess the likelihood of fraud among new applicants.

Fraud Probability Assessment

Analyse applicant data to identify high-risk fraud indicators.

Risk Prioritisation & Audit Strategy

Focus audit efforts on high-risk applications first, optimising resources.

QUALCO Data-Driven Decision Engine (D3E) uses predictive analytics to assess which customers are most likely to subscribe to a new service, enabling precise targeting and efficient allocation of marketing resources.

AI Model Development

Create a robust machine learning model to predict the likelihood of a customer subscribing to a specific financial service. 

Subscription Probability Assessment

Determine which customers are most likely to subscribe to a service or product after contact and understand distinguishing factors.

Marketing Strategy Formulation

Customise campaigns according to predictive insights for higher response rates. 

QUALCO Process Automation (QPA) integrates with inbound email accounts, automating classification and data extraction and reducing human effort and response times.  

Email Parsing 

Connect QPA to retrieve incoming emails and attachments from the inbound email account. 

Document Extraction 

Process emails and attachments to extract essential information.  

Document Classification 

Automatically classify the extracted documents based on predefined categories (e.g., loan applications, customer queries, invoices).  

Data Extraction 

Retrieve essential data from documents and emails, such as application details, request types, and customer information.  

System Integration 

Feed the extracted data into systems such as a CRM, ERP or Document Management System for further processing or action. 

QUALCO Data-Driven Decision Engine (D3E) enables precise predictions of campaign effectiveness by segmenting customers with similar behavioural characteristics. 

AI Model Development

Identify customer segments with similar behaviours to predict campaign effectiveness accurately. 

Campaign Ranking 

Evaluate campaigns based on predicted CTR and identify the most successful ones. 

Campaign Redesign 

Redesign campaigns with data-driven insights for higher success. 

QUALCO Process Automation (QPA) speeds up customer onboarding by automating document verification and integrating external verification services.  

Document Submission 

Submit identity proofs and KYC forms into the system.  

Document Verification 

Verify the documents by extracting and cross-referencing critical data with government or external services.

Approval 

Automatically approve the documents and integrate the extracted data into the onboarding systems. 

QUALCO Process Automation (QPA) uses AI to streamline document management through automation within a Document Management System (DMS), saving time and enhancing document accessibility. 

Document Submission  

Upload documents such as contracts and customer correspondence into the system.  

Document Classification  

Automatically categorise documents based on their content. 

Data Extraction  

Extract metadata and critical information, tagging and indexing the documents for quick retrieval.

Searchability 

Locate documents using indexed metadata for faster access.  

QUALCO Process Automation (QPA)  automates loan processing steps, including classification, data extraction, and verification, enhancing efficiency and accuracy.

Document Submission 

Upload documents such as proof of income and identification cards into the system. 

Document Classification 

Automatically classify documents (e.g., income proof, identification, and bank statements) using advanced deep learning algorithms.  

Data Extraction

Extract key data points such as income figures, identification numbers, and dates for seamless application form completion. 

Seamless Integration 

Integrate critical data into the Loan Origination System, facilitating automatic data entry and reducing review time and potential errors. 

QUALCO’s AI Reporting solution simplifies data access and visualises metrics in real-time, allowing teams to make swift, informed decisions. 

Smart Data Querying 

Ask questions in plain language and receive immediate, AI-generated responses. 

Unified Data Integration 

Combine data from multiple sources to create cohesive, department-wide reports. 

Real-time Visualisation 

Monitor KPIs in real-time, enabling proactive analysis and decision-making. 

Self-Service Reporting 

Enable teams to create reports independently, accelerating decision-making and minimising reliance on IT support.

QUALCO Agentless Collections leverages cutting-edge AI to streamline operations, enhance customer experience, and deliver faster, smarter recoveries. 

Effortless Omnichannel Communication 

Connect with customers via SMS, Viber, or WhatsApp for smooth, 24/7 interactions. 

Advanced Identity Verification 

Verify customer details instantly, like tax numbers or reference IDs, using natural language recognition. 

Automated Routine Tasks 

Automate routine interactions, payment processing, account queries, and more. 

Escalation for Complex Cases 

Seamlessly transfer complex issues to human agents for efficient resolution.