Creative mind, creative works.
Fintech
Debt
Recovery
Global
Coverage
Credito is an international debt recovery specialist providing a single solution to identify, engage and recover monies from debtors in multiple countries including United States, Canada, European Union, United Kingdom, and Australia.
Litigation Strategy
Credito’s in house legal team can create customised litigation strategies for difficult cases that includes legal scoring, case preparation, legal advice and litigation.
Technology Driven
Credito utilizes the latest AI capabilities to provide a fully digital customer experience including profiling, scoring, negotiating payment arrangements, collections reporting and data analytics resulting in higher recovery rates.
Data & Compliance
Credito complies with Global Data Protection Regulations (GDPR) as well as National Regulations within our operating jurisdictions All data and is stored on AWS secure cloud platform ensuring the highest level of encryption and security.
Services
Credito is the only Fintech focused debt collections and recovery company that provides a comprehensive end to end service to its clients in more than 20 countries
LOCATE & VALIDATE
Credito will accurately locate and validate each customer. We have developed an adaptive, AI driven omni-channel platform that uses multiple data points to locate and validate each customer.
COMMUNICATE & ENGAGE
Credito will then rank and select multiple communication channels based on each customers profile and then utilize chat bots, digital comms, or Virtual Voice Collection Agents (VCAs) to engage with each customer.
PROFILE & ANALYZE
After a customer is validated, we use a dynamic machine driven approach to predict the probability and propensity for repayment or a settlement offer. This entire process is completed without any customer contact.
NEGOTIATE & SETTLEMENT
Our AI driven collections platform will negotiate and design an automated multichannel repayment schedule that suits our customer’s situation or we will refer to Credito’s legal team for a litigation strategy if a resolution is not achieved.
LITIGATION & RESOLUTION
Credito’s legal team will review the customers profile and data to determine all legal options available to motivate and encourage the customer to engage with us for a successful resolution.
CRM & REPORTING
Our architecture is a cloud based, bank level encrypted platform. Credito can seamlessly incorporate most case management systems to provide real time reporting on collections data and customised analytics for our clients.
Pricing
We provide our service at no charge to our clients and instead we take a percentage of the actual collections as our fees. Our fees are based on successful recoveries only and will vary based on the customer locations and profiles. Once we have completed an initial evaluation of your case or debt portfolio we will provide a detailed report on how we work and also include a quotation for our services based on the age of the debt.
Technology
AI BASED DATA VALIDATION
AI based Data Validation and Skip Tracing ensures we identify, profile, and validate each customer accurately and efficiently.
STRONG REGULATORY FRAMEWORK
A Regulatory rules engine to ensure we abide by the regulatory framework and customer care guidelines in multiple jurisdictions automatically.
Cloud Based Portal
A cloud based client and customer portal for secure access. We can fully integrate existing case management systems for real time reporting.
CHATBOTS AND VIRTUAL COLLECTIONS
Chatbots and Virtual Collections Agents to interact with customers and provide customized arrangements based on their affordability and circumstances.
SECURE PAYMENTS
Payment portals for secure payments, FX conversions, standing instructions, and credit card payments, giving greater options to each customer.
Our Stats
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Additional customer engagement
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Increase in recoveries
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Reductions in collections cost
About Us
Our History
Our origins go back over 30 years when HKH Kenwright & Cox Solicitors and Advocates were established in the UK. The practice focused on Commercial & Real Estate Law and Debt Recovery. Over the years our practice grew and are considered to be the leading experts in international skip tracing and debt recovery.
The Tech Angle
In late 2018 the partners decided to focus on the rising demand for debt recovery and understood the importance of AI and Machine Learning and how it could enhance the entire process. In 2019 we established Credito PLC as a UK based Fintech start up, focused on International Debt Recovery backed by our experienced Legal arm.​
Team
Our team consists of Lawyers, Debt Recovery Specialists and Technology professionals with over 80 years of combined experience in Banking, Financial services, Legal Advisory, Real Estate, Consulting, BPM, Digital Transformations; having worked in the UK, Canada, Middle East, and Asia. Our founders are driven to utilise technology to make the debt recovery process more Cost Effective and Efficient while creating a positive to be experience for both our clients and customers.
Digital Solutions
By combining the latest Fintech and AI we have the ability to locate, profile, negotiate and litigate in multiple jurisdictions; we have the expertise to offer a smooth, efficient and comprehensive debt recovery service that is focused on a seamless customer experience. By utilizing our proprietary Rules and Regulations Engine we eliminate the possibility of any compliance or customer care related issues.
We work with
Works.
Things We've Made
Testimonials.
We are more than digital agency
What people say about us
Latest News.
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