Human and technical infrastructure at the service of our customers.

Loyalty and Consumer Managed Services

Atos Origin’s Loyalty and Consumer Managed Services Area is characterized by providing Global Service Solutions to different business sectors. With twelve years of experience in the Customer Loyalty, Consumer Credit, Means of Payment and Leasing sectors, we have gained extensive knowledge of the business processes in these activities. In terms of Human and Technical Resources, we have the means to achieve the objectives set with our customers.

More than 180,000 transactions processed annually

1.-Loyalty

The most successful Loyalty Programs rely on our Services

• Developing specific IT solutions
• Designing and creating operational and marketing databases
• Defining and implementing computer and communications systems.

Any successful commercial strategy must be based on identifying who a company’s customers are, what they are like and what they want. This knowledge makes it possible to develop the necessary actions to ensure customer loyalty. In short, offer what the customer expects to receive.

Strengthening the company’s image and notoriety, increasing the effectiveness of all marketing actions, consolidating and expanding market share, creating added value for the company and preventing the entry of new competitors is a challenge for any company.

Developing a good Loyalty Program facilitates the achievement of the aforementioned business objectives. Atos Origin provides the knowledge, experience and resources that guarantee the success of the Loyalty Program we agree with our clients. We assume the Integral Management of your program -Marketing, IT, Logistics, Operations- in our facilities.

2.-Means of Payment Service

Significant market share in the Means of Payment Service market

• More than 2,000,000 cards under management
• 11,000 points of sale served

We develop and implement, on a service basis, our IT solution within the environment of bank or private means of payment. We manage networks of terminals and any other device, necessary or complementary, for the activation and implementation of the mentioned means of payment, related to the products offered by each entity.

The solution contemplates the capture of customer and store data, on-line, batch and web; the maintenance of customers, stores and interchange systems; scoring, issuance and renewal of cards, capture and authorization of transactions including split transactions, as well as multi-brand and multi-collective treatments; printing of financial statements, loyalty module and interface, invoicing processes and integration with accounting and collection applications.

In short, an integral management of the client’s needs.

3.- Consumer Credit

Since 1989, a service that has provided business solutions to our customers.

• Global Solution for E.F.C.
• Industry Experience
• More than 15,000,000 statements issued

Our solution allows business management and administration of consumer credit operations, integrating customers, operations, establishments as well as any other intermediary contributing to the business.

We manage the entire life cycle of the loan, from its granting and administration to the management of defaults.

We carry out exchanges with the external entities involved (banking, collection, risk, etc.).

Integral management, both operational and commercial, of the establishments providing business, for which, among other functionalities, we have the possibility of granting loans via web as well as the possibility of carrying out commercial campaigns to the establishment’s customers.

4.- Leasing-Renting/Gescob

Banking and Branded Finance Companies trust in our Services

Leasing-Renting

Under the name of Paraban, we present a modular set of computerized procedures created to provide solutions to Financial Credit Institutions in relation to Financial Leasing, Operational Leasing and Renting. All the necessary information for the management – participants, objects to be financed, economic data, documentation to be provided, guarantees, etc. – allow, once the risk has been analyzed, to approve or deny the operation.

The solution controls the entire portfolio management, commercial management, accounts receivable management, as well as the automatic accounting of the entries coming from the management.

• Production and investment reports
• Commercial action follow-up
• Consolidated risk management by customer
• Statistics, queries and reports
• Gescob
• Debt collection management system, which incorporates the management of agents with portfolio distribution and clients with electronic agenda.

It also resolves the exchange with external entities and systems, applications of origin/destination of unpaid debts, external collection companies, credit bureaus, etc.

5.-Data Mining/ Credit Scoring

Risk management and knowledge management are services that we agree with our customers

Data Mining

The integration of advanced knowledge in data analysis techniques and the technical means at our disposal allow our team of specialists to transform your operational data into key information, turning your data into a strategic weapon.

Thanks to the development of this analysis activity, companies enter an exciting world, a piece of data can reveal a new market insight, a high probability of response to a marketing campaign, a clue as to where the competition is heading.

Credit Scoring

The objective of a credit scoring is to “predict” what will be the behavior, from a risk point of view, of an applicant at the very moment when the credit application is being made.

Credit scoring is a predictive mathematical model of the risk behavior of a credit application, based on statistical techniques of multivariate analysis.

Our commitment to our customers includes reducing delinquency by objectifying and streamlining the criteria for evaluating loan applications.

Service Center

Appropriate means for Integrated Customer Management

From our Service Centers with highly qualified human resources and the latest technologies, we help manage the activity of our customers through the personalized creation of an Operational Service Center, which is fully responsible for the administrative, telephone and logistics management required by their activity.

Operational Management Center, with functions of:

• 24-hour/365-day telephone service
• Back office center
• Customer management
• Facility management
• POS installation and maintenance
• Administrative Services
• Friendly telerecollection
  

7.- Systems

The most technologically advanced architectures, made available to the business.

In our Data Center we have the appropriate systems for the needs of our customers, maintaining a constant evolution that includes the latest technological innovations. We make our systems bring benefits to our clients’ business.

• 24 hours/365 days service
• Printing Center
• Media processing and storage
• Data security
• Logical security
• Physical security
• 24-hour guarded enclosure
• Fire and moisture detection systems
• 2 Ups (300+80 Kvas)
• 2 Generating sets
• Unlimited continuity groups
• Operators
• Systems technicians
• Communications technicians