Several years on from the world financial crisis, banks are still having to deal with its consequences. Besides the financial impact and the damage to their reputations, banks in Europe and America have had to learn to operate in a new world - a world of flat economies, reduced credit availability and rising levels of customer debt, making managing credit loss a key business driver, with a direct impact on profits. The realities of an increasingly complex business environment, where many customers have multi-product, multi-debt relationships with their banks, dictate that institutions must move quickly towards an integrated, customer-centric approach to the management and collection of delinquencies. Download this whitepaper to discover how the digital of today can provide you with the agility to respond to new and emerging risks in the loans market and the functionality to deal with legacy risks inherited from earlier years.