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Financial services and fintech
Takeaways
Lower DSO, improve promise-to-pay kept, and cure deeper delinquencies.
Key findings
- Reminder cadence + flexible dates lifted PTP kept to ~70%.
- Specialist handling with settlement rules improved 90+ cures.
- DSO trended down once dispute codes were used consistently.
Signals
DSO days
40 days
from 45
Promise-to-pay kept %
70%
from ~50%
Cure rate %
30%
90-day bucket from 20%
What we would do next
- Segment scripts and channels by risk bucket and balance.
- Offer partial-pay plans for 61–90d.
- Escalate >€1k balances to specialist team with settlement guidelines.