LAWEB360

Credit Management in the Digital Age – Innovation with Laweb360
The financial sector demands efficiency in the management of non-performing exposures (NPE) and support for decision-making processes. Banks, financial institutions, servicers, and utilities/telcos require cutting-edge solutions for credit management and recovery. The adoption of specialized technological platforms is a strategic priority.

The Challenge of Modernization
The general goal is to replace legacy IT systems with integrated and technologically advanced platforms that cover the entire NPE lifecycle for Past-Due, UTP, and Bad Loans (BL). Implementing cloud-native infrastructure is essential.

Sydema’s Laweb360 platform is a modular and robust solution for the NPE ecosystem. It provides all the benefits of a market-ready solution (reduced risk/costs, updates, security) with a high level of customization.

Key Features

• Workflow Engine: Configuration of operational and managerial processes;
• Automation and Decision Making: Support for recovery strategies (both out-of-court and judicial), classification management, LLP, and business plan through the “Delibere” module;
• Integration with IT Systems / Services / Providers: Seamless integration within the core banking system and with external services/providers, enabling shared involvement in operational processes;
• Outsourcing and Assignments: Structured management of outsourcing processes, from portfolio clustering to subsequent phases of assignment, collection, monitoring, commission calculation, and passive cycle management;
• AI/ML Features: Availability of generative AI services, such as: payment reconciliation, natural language data querying, case summarization, document classification and data extraction, automated debtor communication, customer profiling, and recovery scoring calculation;
• Compliance and Security: Compliant with regulations (GDPR, DORA, EBA, Bank of Italy) and IT security standards.