Su Affari Italiani si commentano i dati forniti dall’Osservatorio Statistico di AZ InfoCollection con il focus sulla città di Roma. Il CEO di AZ InfoCollection commenta in esclusiva le peculiarità della Capitale.
Firstonline.info :
Crediti inesigibili non solo nei bilanci delle banche ma anche in quelle delle multiutility: un vero problema non solo per chi eroga credito ma anche per chi eroga servizi – A questo è stato dedicato l’Osservatorio Statistico pubblicato periodicamente dal Gruppo AZ InfoCollection.
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One hundred people have filled the conference room of PwC in via Monte Rosa in Milan for the conference “The information, a disruptive aspect in the processes related to credit”, organized by AZ InfoCollection and PwC. The guests of the roundtables are specialists in the sphere of infoproviding, professionals in privacy issues, representatives of the world of credit and industry in each of its branches of business. The objective is a direct comparison on the contents of the market of infoproviding, which is showing progressive sensitivity to the themes of information in support of business and strategic processes.
“The impression we got from the people in the room, judging by the questions and the performance of the round tables – said Carmine Evangelista, CEO of AZ InfoCollection SpA – is that the cues offered by today’s discussions go in depth on the various fields that constitute the chain of credit and information, realities which are usually taken into consideration in a separate matter, but which instead are highly dependent of each other. Today, for example, investors require from operators of the credit increasingly high rates of return. To achieve these results, the information is central, it is a strategic asset because it directs the processes of credit recovery making them more efficient, improving their accuracy“. So, for example in the management of portfolios of non-performing loans, those who manage the data of such portfolios may use to their advantage the clustering of information that allows the sharing of practices in different types. In this way, the groups that are created will identify a well-defined type of debtor, and allow for collection as a targeted action, respectful of the personal situation of the debtor. “The debt of a pensioner is different from the debt of a person with a job and an income, or even that of the unemployed – said Evangelista – the availability of this type of information allows operators of credit to act intelligently moving towards various targets and to manage the assets on time, with benefits also in the scientific measurement of the actions put in place“.
The discussions in the morning were also focused on the issue of privacy protection and the technological tools to support the information and processes related to credit. In the first panel it was stressed firmly that the collection of data is legitimate when there is a right to credit: any resistance to this statement is cultural and systemic, not related to legislation. In the second panel instead we explored new frontiers of innovation to support the processes of credit, in particular what now offers the technology to handle the masses of data and turn them into usable information. In this regard, the discussion was focused mainly on the opportunities that big data and applications of Fintech can create for this market, especially using them in the systems related to the semantic analysis of the information.
Un centinaio di persone ha colmato la sala conferenze di PwC in via Monte Rosa a Milano per il convegno “L’informazione, un aspetto dirompente nei processi legati al credito”, organizzato da AZ InfoCollection e PwC. Ospiti delle tavole rotonde specialisti del settore dell’infoproviding, i professionisti della tutela della privacy, del mondo del credito e dell’industria a rappresentanza ognuno del proprio ramo di business. Obiettivo: un confronto diretto sui contenuti di un mercato, quello dell’infoproviding, che sta mostrando progressiva sensibilità verso i temi dell’informazione a sostegno del business e dei processi strategici.
“L’impressione che abbiamo avuto dalle persone in sala, dalle domande e dall’andamento delle tavole rotonde – ha detto Carmine Evangelista, Amministratore Delegato di AZ InfoCollection S.p.A. – è che gli spunti offerti dalle discussioni odierne vadano in profondità sui diversi ambiti che costituiscono la filiera del credito e dell’informazione, realtà a cui solitamente si pensa in maniera separata ma che invece dipendono fortemente l’una dall’altra. Oggi, ad esempio, gli investitori richiedono agli operatori del credito tassi di rendimento sempre più alti. Nel perseguire questi risultati l’informazione è centrale, è un asset strategico in quanto orienta ed efficienta i processi di recupero del credito, rendendoli più precisi”. Così, ad esempio nella gestione di portafogli di non performing loans, chi gestisce i dati di tali portafoglio può usare a proprio vantaggio la clusterizzazione delle informazioni che permette la suddivisione delle pratiche in diverse tipologie. In questo modo, i gruppi che si creano identificheranno una tipologia ben definita di debitore, e permetteranno un’azione di collection mirata e rispettosa della situazione personale del debitore. “Il debito di un pensionato è diverso dal debito di una persona con un lavoro e un reddito, o addirittura da quello di un disoccupato – ha sottolineato Evangelista – avere a monte questo tipo di informazioni permette agli operatori del credito di agire con intelligenza verso i diversi target e di gestire puntualmente gli asset, con benefici anche nella misurazione scientifica delle azioni messe in campo”.
Le discussioni del mattino si sono inoltre focalizzate sul tema del rispetto della privacy e degli strumenti tecnologici a supporto delle informazioni e dei processi legati al credito. Nel primo panel è stato sottolineato con decisione che la raccolta di dati è legittima quando sussiste un diritto di credito: qualsiasi resistenza a questa affermazione è di tipo culturale e sistemico, non normativa. Nel secondo panel invece sono state esplorate le nuove frontiere dell’innovazione a supporto dei processi di credito, in particolare cosa offre oggi la tecnologia per gestire masse di dati e tramutarle in informazioni fruibili. A questo proposito si è discusso soprattutto delle opportunità che i big data e le applicazioni fintech possono creare per questo mercato, soprattutto implementandoli ai sistemi legati all’analisi semantica delle informazioni.
Is it possible to understand on the basis of only three words of one deals with a natural person or a company? What are the risks when seeking funding or subscribing to a service? The answers are a trio of concepts that are connected with the process of infoproviding in credit support, management and recovery: standards, technology and deep knowledge of the whole chain.
To find answers to these questions AZ InfoCollection SpA, a leader in infoproviding sevices in Italy, organizes a conference entitled “Information, a disruptive aspect in the processes related to credit” in collaboration with PwC. The event is scheduled for Wednesday 10 June in Milan (Via Monte Rosa, 91 at 9:00).
The first panel will see a particular focus on the rules for the protection of data and information, also in relation to the law on the protection of privacy and the influence of information on the process of recovery of the impaired loan. The following speakers will participate in the discussion: Stefano Cancarini, PwC Tax and Legal Services; Olimpia Policella, Studio Policella; Luca Polverino, Asset Manager of NPL; Daniele Padovan, Credit Manager of RCS Mediagroup. To coordinate the discussion will be Nicola Di Molfetta, journalist of LegalCommunity.it.
The admission to the conference is free subject to compulsory registration of participants, via email at stampa@azinfocollection.it, indicating full name, company, position and phone number on a first come first served basis.
The press is invited. Please send confirmation of participation indicating full name of the journalist, the news agency represented and mobile number via email to stampa@azinfocollection.it.
Is it possible to understand on the basis of only three words of one deals with a natural person or a company? What are the risks when seeking funding or subscribing to a service? The answers are a trio of concepts that are connected with the process of infoproviding in credit support, management and recovery: standards, technology and deep knowledge of the whole chain.
To find answers to these questions AZ InfoCollection SpA, a leader in infoproviding sevices in Italy, organizes a conference entitled “Information, a disruptive aspect in the processes related to credit” in collaboration with PwC. The event is scheduled for Wednesday 10 June in Milan (Via Monte Rosa, 91 at 9:00).
From among the four panels planned two will focus on information supply and its use to support credit related processes.
A discussion of manufacturers of information will take place in the form of a dialogue of Andrea Mignanelli, Founder and CEO of Cerved Credit Management; Carmine Evangelista, Managing Director AZ InfoCollection SpA; Alberto Bommarito, Consulting & Debt Managent Fire Spa; Salvatore Iudicone, Managing director of Bcc Credit Management SpA. The discussion will be moderated by Antonio Vannuzzo, journalist of Debtwire.
Later will speak the protagonists of information use in the areas of credit, namely the end users of the data and of the supply chain of infoproviding and how the quality of information can change not only results in the context, for example, of bank debt recovery, but how it can even allow one to set the business strategy.The following speakers will participate: Andrea Clamer, Head of NPL Banca IFIS; Franco Balsamo, CFO of ACEA SpA; Piero Civita, Head of Commercial Division of EuroService; Michele Mangraviti, Loan Operations Director of MOL Group; Guido Fienga, President of Sistemia SpA; Gabriela Vittorio, Head of Billing and Credit of A2A Energia SpA, Group 2A. The discussion will be moderated by Antonella Pagano, Partner of PwC Italy.
The admission to the conference is free subject to compulsory registration of participants, via email at stampa@azinfocollection.it, indicating full name, company, position and phone number on a first come first served basis.
The press is invited. Please send confirmation of participation indicating full name of the journalist, the news agency represented and mobile number via email to stampa@azinfocollection.it.
AZ InfoCollection S.p.A. is a leader in Italy in infoproviding and credit servicing, which provides services to Italian financial and insurance institutions. AZ InfoCollection is present in the sector of non-performing loans and operates as supplier of intellingence, security and protection of heritage services. www.azinfocollection.it
Is it possible to understand on the basis of only three words of one deals with a natural person or a company? What are the risks when seeking funding or subscribing to a service? The answers are a trio of concepts that are connected with the process of infoproviding in credit support, management and recovery: standards, technology and deep knowledge of the whole chain.
It is a market of great importance, as confirmed by the growing investments of companies and funds – in particular foreign ones – in the field of credit and non-performing loans. Credit and investment mean growth in jobs, transactions, services which are born and evolve around the major issues of “risk“.
To achieve this aim AZ InfoCollection SpA, a leader in infoproviding sevices in Italy, organizes a conference entitled “Information, a disruptive aspect in the processes related to credit” in collaboration with PwC. The event is scheduled for Wednesday 10 June in Milan (Via Monte Rosa, 91 at 9:00).
From among the four panels planned one in particular will focus on Big Data and the importance of information, technology and data to support the processes of credit. To take part in the discussion will be Michele Barbera, Co-Founder and CEO of SpazioDati; Alessandro Donadio, partner and Social Transformation & Digital Strategist of hitrea; Francesco Consolati, Presales Manager of Risp & Fraud Solution SaS; Alberto Boggetti, Sales Director Italy of Uniserv. To coordinate the discussion there will be Giorgio Soffiato, founder and managing director of Marketing Arena.
The admission to the conference is free subject to compulsory registration of participants, via email at stampa@azinfocollection.it, indicating full name, company, position and phone number on a first come first served basis.
The press is invited. Please send confirmation of participation indicating full name of the journalist, the news agency represented and mobile number via email to stampa@azinfocollection.it.
