Profitera PowerApps is a suite of applications which automates and streamlines the entire Revenue Collection and Debt Recovery process. Profitera PowerApps helps organizations to reduce bad debt, improves cash flow and lower days receivable outstanding. Collection personnel have access to up-to-the-minute information on each Customer in terms of delinquencies, payments, disputes and promises to pay, so they can quickly resolve Collection issues with Customers.

External Interface to existing legacy systems is the key to have the 360-degree view of the Customers. Profitera External Interfaces will be plugged to existing legacy systems and information can be downloaded periodically or in real-time as well, depending on the business needs. Profitera PowerApps can be set up as such that depending on a certain Customer contact result, a future date, letter generation or action can automatically be scheduled. Profitera PowerApps is cross-platform. It can run on all major platforms in the market today.

The Profitera PowerApps modules are as follows:

• PowerCollect
• PowerRecovery
• PowerAgency
• PowerReport
• PowerMessaging
• PowerCTi

Technology

Profitera PowerApps is designed and developed leveraging open systems, industry standard technologies of Java, XML, SQL and Http. The next generation Rich Internet Application (RIA) architecture allows for a very responsive and fast application on the desktop which is Http aware, whereby updates are done automatically in the background. In addition, Business Rules Engine and Predictive technologies bring significant intelligence to the application.

PowerCollect - Revenue Collection Management

• Collection Management
• Dynamic Worklist Generation & Assignment
• Visual Treatment Manager (Calls, SMS, Notices, etc.)
• Adaptive Scoring Engine & Scorecards (Collection Risk, Behaviour, Profile, etc.)
• Profiling and Segmentation
• Unified Collection of Multi-products or Multi-host systems
• On-Line Performance Monitoring of Collectors
• Reports of Collection

PowerRecovery - Debt Recovery Management

• Charge-off / Write-off Management
• Restructuring and Rescheduling Management
• Provisioning of Bad Debt (Specific and General)
• Legal Management (Internal Legal Department)
• Foreclosure Management
• Litigation & Case Tracking
• Collateral Asset Disposal
• Reports for Recovery

PowerAgency - 3rd Party Agency / Legal Management

• Accounts / Customer files Distribution to 3rd Parties (Agency, Legal, Auction, Repo, etc.)
• 3rd party Registration and Contract Terms Management
• Commission & Invoice Management
• PowerCollect Lite for Agency use
• PowerLegal - comprehensive Legal & Case tracking module
• Reports for Agencies

PowerReport

• Reports Designer
• Reporting Scheduler
• Multi-format output (xls, pdf, xml, etc.)
• Embedded into the PowerApps Software suite from Profitera
• Reporting Distribution via email
• Comprehensive Charting and visual depiction

PowerMessaging

• Profitera PowerMessaging is an add-on the Enterprise Messaging Platform of IBM
  • Websphere Message Broker
  • Websphere Enterprise Service Bus (ESB)
• Profitera PowerMessaging Workbench provides an interactive environment for composing messages in the native format of the target system, working at the field and data type level, not with bits and bytes.
• Profitera PowerMessaging Runtime operates as a stand-alone web service node or integrated directly into the Message Broker platform, running in-process with tight integration with Message Broker features and configuration.

PowerCTi

• Profitera PowerCTi enables seamless management of call handling, queuing, routing, tracking, automated screen pop capabilities and speed up interaction sessions.
• Softphone buttons are available in the preview mode and every button performs a specific task for quick execution of actions.
• PowerCTi will introduce and integrate key Computer Telephony Integration (CTI) features of Genesys T-Server to the PowerCollect environment: push button dialing, outbound call, inbound call, workstation status and collection campaign call lists.

Profitera PowerApps is a highly versatile set of software applications which can be used by various industries and organizations to automate the Revenue Collection and Debt Recovery processes.Some of them include:

Industry	Line of Business	Description
Banking & Financial Services	Credit Cards Auto Loans / Leasing Loans / Mortgage Syariah Loans Insurance Wealth Management	Collection and Recovery for pre-NPL and Non – Performing Loans Recovery – Loan Rescheduling, Reschedulement, Remedial management, Visitation, Shortfall and Legal Management – Internal Integration to host Core Banking systems – Cardlink, Semacard, Cardpro, Silverlake, Citel, Fidelity – Alltel, and many more 3rd Party Management – Legal Outsourced Collection Agency, Repo & Auction
Telecomm	Wireless Wireline ISP / Leased Line Cable / Satellite TV	Revenue Collection and Debt Recovery for effective execution of the Revenue Assurance Lifecycle Integration to Billing systems, Service Provisioning, Fraud, Bulk Printing, Predictive Dialer, Bill Presentment & Payment and Call Center / CRM Systems Some of the hosts integration supported include: Geneva, Kenan Arbor, Atos Origin – BSCS, Clarify, Siebel, Peoplesoft CRM, Avaya, Alcatel Genesys T-Server and many more
Utilities	Electricity Water Sewage	Revenue Collection and Debt Recovery for effective Revenue Assurance Lifecycle Integration to Billing systems, Service Provisioning, Fraud, Bulk Printing, Predictive Dialer, Bill Presentment & Payment and Call Center / CRM Systems 3rd Party Management – Legal, Outsourced Collection Agency, Repo & Auction
Government	Pension/Provident Fund Tax Board City and State Councils Housing Loans Student Loans	Revenue Collection & Enforcement Management Legal Recovery – Civil & Criminal Case Management Workflow & Policy Management Arrears Assessment & Non – Compliance Detection Treatment Actions (Visitations, Calls, Notices, etc.) Payment integration to financial systems Integration with Call Center, Internet Portal, Imaging Document Management, Other Statutory Bodies or Government Departments etc. 3rd Party Management – Legal, Outsourced Collection Agency, Repo & Auction

Benefits of PowerApps for banking are:

• Reduces Bad Debt
• Reduces Non-Performing Account Receivables
• Reducing Provisions for Bad Debt
• Reduces Overall Revenue Risks, hence, Reduced Statutory Reserves
• Reduces Cost of Collection from each Delinquent Customer resulting in better Net Flow rates
• Reduces Staff Headcount required to manage Collection and Debt Recovery Processes
• Improves the number of "Self Cures" amongst Delinquent Customers, via Predictive Behaviour Scoring of each Account & Customer
• Improves the Operational Risk Management Compliance for Basel II with a comprehensive built-in Collection & Recovery Risk Scoring engine
• Improves the management of Write-offs and Write-backs
• Improves Performance Tracking & Reporting of Pre-NPL, NPL, Recovery, Legal Panel of Lawyers and Outsourced Collection Agencies

As experts in Revenue Collection and Debt Recovery Management, Profitera continuously brings real-time scalable technology solutions to the doorstep of it's customers to help Reduce Bad Debt and Improve Profitability! The Internet based scalable open architecture of Profitera's solutions leverage on the advance technologies of Java, XML, Rich Internet Application delivery, Business Rule Engine and Predictive technologies, to bring its customers greater business value.