01
Welcome
In their latest credit loss forecast, S&P Global estimate that across the 83 banking systems they cover credit losses will exceed $2.5 trillion over the 3-years to end 2025.
Reduce annualised credit losses by up to 10% with operational deployment in 90 days
Imagine no more fragmented data across credit providers and reference agencies. No more obscured insights into your customers’ financial struggles and behaviours. Only bold, transformative solutions that propel you and your customers forward.
With Versuro, you avoid critical blind spots when it comes to understanding your customers’ credit journeys, their financial preparedness and resilience.
With every life event, customers become vulnerable to a debt spiral. And superficial collection efforts become ineffective, worsening the cycle of credit losses.
Our extensive experience, advanced analytics and scalable tech solutions will transform the performance of your credit business through:
- Symmetry – we integrate data streams to better understand customers’ financial health
- Visibility – we uncover your customers’ hidden financial hardships and related behaviours
- Actionability – we provide you with better prevention and restoration interventions
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Success stories
Versuro is enabling industry giants to transform how they tackle over-indebtedness
Large telco
We doubled their sales, reduced the flow into collections and mitigated excessive credit losses, by using Versuro’s methodology to balance customer credit risk and affordability.
Leading retailer
Armed with our innovative frameworks we sped up integrated prevention and restoration strategies, turbocharging their collections process, tackling both short and long-term customer financial hardships during the COVID-19 pandemic.
Loan financier
We revolutionised stagnant collection methods, harnessing powerful insights from customer-led research, integrating various data streams and aligning strategies to impairment provisions.
Digital bank
Through our pioneering, personalised digital experiences we are addressing the root causes of over-indebtedness by steering customers towards healthier financial journeys, based on prevention and restoration.
03
Why choose us
Versuro | .və-‘ʃʊər-əʊ. | Verb
To turn around a credit crisis.
Significantly reduce your credit losses and improve your customer relationships
The credit industry has made significant strides in operations and analytics, but is still missing one critical element: meaningful, mutually beneficial customer relationships.
Our goal is to make every interaction feel more human and individualised whether through digital channels or agents. Understanding your customers throughout the ups and downs of their credit journey is key to building deeper connections, authentic relationships and a healthier credit system.
Our real-time automation solutions through a data-rich, analytics-led credit ecosystem, help you engage with your customers in a more personalised and tailored way.
With a leadership team that combines a century of expertise in data science, consumer insight, and credit, Versuro is ready to revolutionise the credit industry and help you make a difference.
Bayan Dekker
A 35-year credit veteran, trailblazer in big data analytics and decision automation, Bayan is a serial entrepreneur, author, trainer and speaker for credit professionals.
David Blyth
With 32 years of consumer insight experience, David is a thought leader in consumer behaviour, journeys and experience, consulting to blue-chip corporates focused on exponential growth.
04
Our solution
Versuro Decision-Switch is your complete credit ecosystem that automates and personalises customer journeys
Predict, prevent, and restore your customers’ financial health. Versuro Decision-Switch leverages a cutting-edge data fabric integrated from multiple real-time streams to guide you towards the right interventions.
Our cloud-based platform analyses unstructured and novel credit risk data, uncovering early indicators of financial hardships and over-indebtedness.
Our analytical capability means you can proactively prevent your customers from falling into financial distress. And we help those who are over-indebted restore their financial health.
Predicting
Financial hardship and over-indebtedness
Preventing
Customers drifting out of a healthy financial state
Restoring
Financial health when customers over-indebted
Predicting
Financial hardship and over-indebtedness
Preventing
Customers drifting out of a healthy financial state
Restoring
Financial health when over-indebted
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Our process
The Versuro Decision-Switch is activated and yields results within 90 days
Once activated, the adaptive flywheel ensures continuous optimisation
Our RAPID method activates the Versuro Decision-Switch within 30 days with impactful collections interventions in 90 days
During this phase we run three low touch workstreams:
Listen: Hear what your customers have to say about their debt situations. We conduct primary research to map your customer journeys and identify the factors that influence their financial hardships, while pinpointing actionable behavioural triggers.
Learn: Understand how to address indebtedness through advanced analytics and modelling. We configure your prevention and restoration strategies to estimate reductions in credit losses, and integrate next-best interventions into your collections environment.
Lift: Help your customers regain their financial health through better credit interventions. We implement our customer engagement programs to operationalise prescribed interventions, either within your collections environment or as a fully outsourced model.
Need help with change management, training and guidance during operational deployment? We’ve got you. We’ll upskill your employees to engage with your customers more effectively based on a gap analysis relative to the ‘to be’ WeGuide, WeAssist, WeRestore and WeRecover programs.
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Advisory service
If you seek transformational change in performance from your credit business let’s talk
We have a century of experience across diverse areas that impact success in credit businesses and we believe it is time for some novel thinking.Listen to real consumer feedback about the circumstances surrounding their level of indebtedness…
Access insights into customer indebtedness by contributing to industry-wide tracking studies or commissioning bespoke studies tailored to address complex credit problems.
Learn to address customer indebtedness through advanced analytics and modelling…
Gain insights into resolving customer indebtedness through advanced analytics and modelling, including identifying psychographic factors influencing decision-making and combining non-traditional customer credit data with traditional data to develop advanced predictive models.
Lift customers back to financial health through better credit interventions…
Restore customer financial stability by integrating the Versuro Decision-Switch into your collections systems, utilising insights from Listen and Learn to manage them consistently and empathetically, aiming to prevent financial distress and aid those already over-indebted.
We’d love,
to hear
from you!
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