Ethical Collections by Treating Customers Fairly: Fair solutions for sustainable debt reduction
We develop fair payment plans and individual solutions for consumers who are facing particular challenges due to their personal circumstances. As a result, we were able to successfully close five million cases of debt in 2022/23 alone.
For us, respectful interaction with defaulting consumers is crucial. This is why in 2023, we introduced a group-wide policy that requires our staff, among other things, to use easy-to-understand language and be tactful. In addition, thanks to technological innovations like service portals and chatbots, we are enabling consumers to manage their payments without direct contact. In 2022/23, as many as 61 percent of consumers were taking advantage of this option. We are constantly improving these services with the help of feedback e.g. from questionnaires.
Tech-driven Transformation & Innovation: Changing finances for the better with technology
We want to offer customers and consumers a fully digital process group-wide. In this context, robots, data analyses and artificial intelligence help us tailor our offering to their needs. Examples of this are individual payment plans or approaching the consumer using the channel most suitable for them personally. The keystone of our work is the international collection system Kollecto+, which ensures an efficient process and has already been implemented in eight EOS countries.
We use cookies on our website to enable you to have the best possible website visit. These include cookies that are necessary for the operation of the website, those that are only used for anonymous statistical purposes, cookies that are used for comfort settings and cookies that are used to provide you with personalized, interest-based content. You can decide yourself whether you want to allow the use of statistics, comfort, and marketing cookies. In addition, you can change/withdraw your consent at any time by clicking on the Change Cookies settings on the bottom of the website. Further information can be found in our Privacy Policy and Imprint.
Necessary
We use necessary cookies. These cookies are necessary for the operation and the basic functions of the website. In particular, they enable the security-relevant functioning of our website.
You can read about which cookies we use here.
Tool name
Cookieconsent_status
Tool provider
EOS Holding GmbH
Address of tool provider
Steindamm 71, 20099 Hamburg, Germany
Tool description
Essential cookie to save consent banner inputs.
Data processed
None
Purpose of data processing
To save consent
Retention period
60 days
Tool name
Java Session Cookie
Tool provider
EOS Holding GmbH
Address of tool provider
Steindamm 71, 20099 Hamburg
Tool description
Randomly generated session number essential for the proper functioning of the application software.
Data processed
None
Purpose of data processing
Proper functioning of website
Retention period
Session cookie – is deleted after you have closed your browser.
Comfort
If you allow comfort cookies, we can make use of our site easier for you. If you visit our website again to use our services, it will automatically be recognized that you already visited us and the entries and settings you made will automatically be recognized so that you do not have to enter them again.
You can read about which cookies we use here.
Tool name
Visitor
Tool provider
EOS Holding GmbH
Address of tool provider
Steindamm 71, 20099 Hamburg, Germany
Tool description
We use this cookie to make it easier for you to use this website.
Data processed
None
Purpose of data processing
Optimization, improvement of service
Retention period
Session cookie – is deleted after you have closed your browser.
Tool name
NEW_Visitor
Tool provider
EOS Holding GmbH
Address of tool provider
Steindamm 71, 20099 Hamburg, Germany
Tool description
We use this cookie to make it easier for you to use this website.
Data processed
None
Purpose of data processing
Optimization, improvement of service
Retention period
1 day
Statistics
We use statistical cookies to improve our offering and ensure a needs-based design and the continuous optimization of our website.
For this, we collect anonymized data for statistics and analytics, for example, to determine site traffic and user behavior and to adapt and improve our content and the website experience.
You can read about which cookies we use here.
Tool name
nmstat
Tool provider
Siteimprove GmbH
Address of tool provider
Rosenheimer Str. 143 C, 81671 Munich, Germany
Tool description
This cookie contains an ID character string for the current session. It contains non-personally identifiable information about which sub-pages the visitor enters – this information is used to optimize the user experience.
Data processed
None
Purpose of data processing
Analysis, statistics
Retention period
399 days
Tool name
AWSELB
Tool provider
Siteimprove GmbH
Address of tool provider
Rosenheimer Str. 143 C, 81671 Munich, Germany
Tool description
This cookie ensures that all statistics from the same session are captured contiguously.
Data processed
None
Purpose of data processing
Analysis, statistics
Retention period
Session end
Tool name
siteimproveses
Tool provider
Siteimprove GmbH
Address of tool provider
Rosenheimer Str. 143 C, 81671 Munich, Germany
Tool description
This cookie is used to track the sequence of pages viewed by the visitor during the website visit.
Data processed
None
Purpose of data processing
Analysis, website statistics
Retention period
Session cookie – is deleted after you have closed your browser.
Marketing
We use marketing cookies so that we can provide you with relevant and interest-based content when you visit our website.
You can read about which cookies we use here.
Tool name
Facebook Pixel
Tool provider
Meta Platforms Ireland Limited
Address of tool provider
4 Grand Canal Square, Grand Canal Harbour, Dublin, D02, Ireland.
Tool description
Used by Meta to serve ads, measure and improve ad relevance, and offer advertising products on Meta.
Data processed
Ads Viewed | Pages Visited | Browser Information | Facebook Cookie Information | Facebook User ID | Geographic Location | Device Information | HTTP Header | Interactions with Ads, Services and Products | IP Address | Marketing Information | Usage Data & Behavior | Pixel ID | Referrer URL | User Agent
Purpose of data processing
Analysis | Conversion Tracking | Marketing | Social Media | Advertising
Retention period
__fbp (duration: 3 months)
Tool name
LinkedIn
Tool provider
LinkedIn Ireland Unlimited Company
Address of tool provider
LinkedIn Ireland Unlimited Company Wilton Place, Dublin 2, Ireland
Tool description
This cookie is used to obtain anonymized reports about the website target audience and the possibility of targeted advertising, e.g., in the context of retargeting.
Data processed
Device information, browser information, IP address, referrer URL and time stamp.
Purpose of data processing
Marketing, analysis, retargeting
Retention period
Cookie Name (duration: 90 days)
Tool name
Google Analytics
Tool provider
Google Ireland Limited
Address of tool provider
Google Building Gordon House, 4 Barrow St, Grand Canal Dock, Dublin 4, D04 V4X7, Irland
Tool description
Used to track website activity such as session duration, pages per session and the engagement rate of individuals using the site, along with the information on the source of the traffic
Data processed
Ads Viewed | Pages Visited | Browser Information | Facebook Cookie Information | Facebook User ID | Geographic Location | Device Information | HTTP Header | Interactions with Ads, Services and Products | IP Address | Marketing Information | Usage Data & Behavior | Pixel ID | Referrer URL | User Agent
Purpose of data processing
Ad personalization | Ad user data | Ad storage | Analytics storage