Caporum Consulting is a seasoned IT consulting firm with deep roots in the financial sector—particularly in debt collection. Our specialization goes far beyond software: we offer comprehensive, market-specific expertise that helps businesses seamlessly establish and succeed in the Nordic region.
Proven Expertise in Debt Collection and Financial Systems
Some areas where we offer great value
We understand that the Nordic markets, while digitally mature and highly regulated, present unique challenges and opportunities in the financial sector. Debt collection in these regions isn’t just about recovery—it’s about strategy, customer experience, compliance, and efficiency. Caporum Consulting brings deep domain knowledge and advanced technical capabilities to help clients thrive in this environment.
Behaviour Data, Prediction & Smart Workflows
Understanding the behavioural patterns of debtors is critical to optimizing collection outcomes. We help clients:
- Distinguish between voluntary vs. forced actions, and design strategies accordingly.
- Use predictive analytics to prioritize actions and allocate resources efficiently.
- Build intelligent, automated workflows that reflect local best practices and maximize recovery rates.
Cost Reduction Through Data Enrichment
We advise on how to collect and leverage customer data effectively and legally, including:
- Enriching data with accurate addresses, phone numbers, and contact preferences.
- Navigating Nordic data privacy regulations to ensure compliance while gaining valuable insights.
- Using enriched data to improve targeting, reduce operational waste, and lower costs.
Administrative Efficiency
One common operational drain is the handling of undeliverable communications. We help reduce administrative burdens by:
- Implementing bounced letters handling.
- Automating responses and follow-ups based on bounce codes and delivery issues.
- Integrating with local postal services and databases to keep customer contact details up to date.
Instalment Plans Across Clients and Cases
We support the development of instalment payment capabilities that span multiple debts and creditors, helping to:
- Improve customer satisfaction and long-term engagement.
- Offer realistic, manageable repayment options to customers.
- Comply with local regulations while enabling better recovery.
Seamless Customer Portals
Caporum Consulting develops two key types of portals:
- Client Portal: Designed for companies managing cases, this portal offers full visibility into portfolios, real-time updates, reporting, and workflow controls.
- End-Customer Portal: A user-friendly, secure interface where customers can log in, view their balances, set up payment plans, update contact details, and communicate efficiently. Nordic customers expect digital self-service, and our portals meet that expectation fully.
Integration with ERP and Core Systems
A major challenge in cross-border operations is integrating new tools with existing back-office systems. We:
- Minimize manual work and reduce errors by connecting your entire financial ecosystem.
- Build secure, robust integrations between ERP systems and customer/client portals.
- Ensure real-time data synchronization for better visibility and operational control.
Authentication
We enable seamless and secure authentication via the most trusted national ID systems:
- BankID (Sweden and Norway)
- MitID (Denmark)
- FTN (Finland)
These digital ID solutions are used for everything from banking to signing agreements, and are essential for verifying users quickly, securely, and legally.
Payment Methods
Caporum Consulting supports integration with the most popular regional payment options:
- Swish (Sweden)
- Vipps (Norway)
- MobilePay (Denmark and Finland)
These instant mobile payment platforms are widely adopted and expected by customers. We ensure they’re fully integrated into your portals and payment workflows for optimal customer experience and higher payment completion rates.
Integration with Bailiffs and Forced Collection Authorities
In situations where debts progress to forced collection, it’s critical to have a smooth connection with national enforcement authorities. Caporum Consulting offers seamless integrations with bailiff systems across the Nordics, including:
- Kronofogden (Sweden)
- Namnsman (Norway)
- Ulosottolaitos (Finland)
- Gældsstyrelsen (Denmark)
We help automate data exchange, status tracking, and case management, ensuring compliance and streamlining the enforcement process. This integration minimizes manual handling and keeps you in control, even when cases are escalated to public authorities.
Your Partner in the Nordics
Caporum Consulting is your trusted bridge to success in the Nordics.
Entering the Nordic market without deep local knowledge can be risky. With Caporum Consulting, you gain more than just IT solutions—you gain a strategic partner with hands-on experience and a proven track record in helping businesses:
- Localize their services.
- Comply with Nordic regulatory requirements.
- Create smooth, scalable operations tailored to the region.
Whether you’re building from the ground up or adapting an existing platform, we ensure your digital infrastructure, processes, and customer journeys are optimized for the Nordic way of working.
