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CUSTOMIZED SERVICE OFFERINGS
Intrum Justitia is active in a number of countries with signifi cant
differences in terms of market maturity and CMS traditions.
The range of services offered in each case is therefore adapted
to local conditions. At the same time we try to contribute to
each market’s development through targeted efforts and activities.
The way we work in various types of markets is summarized
below.
Consolidating markets
These markets are generally characterized by a lower level of
maturity with regard to commercial credit management and
less of a tendency to outsource these services to specialists.
CMS regulations may be less advanced. Market growth is
determined to great extent by how quickly and to what extent
companies accept the arguments in favor of outsourcing.
Intrum Justitia’s focus is on developing its core business
– consumer and commercial collections – and concentrating its
offerings in these areas. As client relations grow in number and
strength, we try to increase interest in, and understanding of,
modern credit management and the advantages of outsourcing.
Consolidating markets include Italy, Portugal and the Baltic states.
Strategies adapted to the various levels of maturity in the market
Margin
Priority is growth in
core business. Ensure
operational quality.
Consolidating
markets
Established
markets
Focus on achieving a
position as market leader
and utilizing synergies in
systems and structures.
Broaden service offering.
Established markets
The market is fairly well established, which means lower overall
growth. Still, there are a number of major client segments
where the CMS outsourcing trend has not fully taken off.
For these markets we offer a larger range of services including
debt surveillance and debt purchase. Group companies
have usually gained a larger market share and the critical mass
necessary to profi tably automate management processes.
Countries in this category include Belgium, France and Poland.
Mature markets
In general, companies in these markets have a good understanding
of the importance of effi cient credit management.
Outsourcing of at least part of this process is widespread, and
over time companies prefer to outsource their entire credit
management processes to specialists.
The majority of Intrum Justitia’s business is in mature markets.
In these markets, we offer a comprehensive range of credit
management services. Mature markets include Finland,
Sweden and Switzerland.
Mature
markets
Focus on achieving
operational effi ciency
of the highest class and
strengthening client
loyalty. Offering consists
of a complete range
of credit management
services.
Level of maturity
15