Capone is an enterprise collection system that enables collection departments to control, manage and automate debt collection processes of the company while reducing bad debt.  Capone Telco helps telecom companies reduce bad debt and improve the cash flow while optimizing collection cost.  Capone is the leader of the Romanian market of debt collection software; it has 20 implementations in 10 European countries.  Covered areas: prevention, early collection, late collection, fraud, legal, foreclosure, external agencies relationship

Areas

Capone Telco covers all collection areas in a telecom company: credit management, prevention, early collection, late collection, fraud, legal, external agencies relationship.

Credit Management

Using scoring, the credit and collection departments can set credit limits based on customer segmentation. Usage control functionalities help managing situations when clients exceed the credit limit.

Prevention

Prevention actions ensure you a better debt recovery rate and lower collections costs by contacting the subscribers that usually forget to pay in time sooner than usual, with a friendly reminder.

Early Collection

Early collection phase starts from the first day of default until the end of amiable strategies.
With the highly configurable collection strategies of Capone Telco, business users can administrate an unlimited number of collection strategies. Timelines can be modified easily using a graphical interface, offering the opportunity to adapt to market changes quickly.
You can also generate notification actions, in the case of low-risk clients, and more persuasive actions, such as telephone calls, in the case of high-risk clients.
The fully configurable scenarios lead to a maximum automation of collection strategies.
In early collection, the number of cases is larger than in other phases of the collection process, so it is important that the team leader can easily manage and distribute cases to agents. “Queues management” module can be used to prioritize and filter queues, or to move cases between different users. Moreover , predefined automatic allocation algorithms can be used to distribute cases to collectors based on different criteria established by the company.
Another tool used in early collection is “Promise to pay”. They are entered by agents and tracked automatically by the system. If the promise is not kept, the system can generate different automatic actions to be taken for that specific case.
Letters can be generated automatically by the system in Word format (.rtf), and letter templates can be modified or edited by administrators.

Late collection

This area covers activities performed after the amiable collection strategies have failed. In Capone Telco you can configure, for example, a court order flow, set according to the specific needs of each country or company. Other flows can be defined using multiple zones and statuses.

Fraud

Usually telecom companies use a dedicated fraud detection system. This system use complex fraud detection algorithms and isolates fraud suspicious accounts based on near-real ltime usage data.
Capone Telco Fraud Module covers the fraud team activities after the account is declared suspicious. This module will keep track of the investigation steps, including high usage payment agreements, fraud investigations over all related accounts, service restrictions, black and gray lists, relationship with public authorities, required procedures forms.
In this area, Fraud departments can identify fraudulent cases and start the fraud procedures. Business administrators can easily configure each step of the procedure and statuses. The system offers full traceability of all fraud activities. 

Collection agencies

There are different levels of collaboration with collection agencies, such as outbound calls outsourcing, late collection outsourcing or debt selling. Capone Telco provides features that accommodate various scenarios related to outsourcing to collection agencies.
Multiple collection agencies can be defined in Capone Telco, each of them with specific characteristics and specific process stages. For each agency, a case portfolio can be created in order to track and monitor the activity of the collection agency easily. Activity reports received from the agency can be loaded into the system automatically or manually.

Features

 Flexible Hierarchy – 360 view over accounts and subscribers

A high efficiency rate of the agents is attainable by providing them a full picture over each account. In Capone Telco, agents will find all relevant information imported from external systems (Billing, DataWarehouse, CRM etc.) for the entire population of accounts (in debt overdue or not). By having all accounts in the system, it is possible to set links between accounts, manually or automatically, based on predefined criteria.
In Capone Telco, the agent will have available the entire information necessary for his/her work: client information (telephone numbers, addresses, contact persons, workplace, income, etc), financial information (statements, debt amounts, transactions, etc.) and collection information (collection strategy, last actions, next action, interactions, payment agreements, skip tracing, etc.)

 Configurable Timeline / Collection Strategies

The main feature of Capone Telco is the automation of collection processes. With this feature, the system enables very powerful automation and, furthermore, makes the configuration of the collection strategies easy to use, based on a friendly, graphical interface.
A collection strategy represents a list of generic actions, programmed to be generated automatically, for a collecting period, following a predefined list of steps. Some actions can be executed by the system, and others can be executed manually, by the agents.
Taking into consideration the fast changing financial environment and the importance of changing the timelines, all strategies can be configured and modified by the collection departments without IT intervention.

 Queues Management

Collection cases can be organized in queues for easy management of large volumes of data. Team leaders can benefit from a powerful tool that allows them to increase their team’s productivity and efficiency. Queue Management Module is very flexible, adaptable and scalable to a large scale of scenarios, tested for working environments with a number of agents ranging from tens to thousands.
The system allows team leaders to set also the agent’s availability schedule in order to avoid overloading or sub-utilizing collectors.
Team leaders can manage queues by filtering cases, hide or show accounts and move accounts between collectors. At any time, team leaders and managers can access reports with worked cases in queues.

 Payment Agreements

The collector may reach a formal (or informal) agreement with the client. Following this agreement, the client may pay the due amount all at once or during a period of time, in one or more instalments.
Payment agreements can be used in early collection, as well, where they can be tracked by the system automatically, and late collection, where the payment can be divided into one or multiple payment agreements.
A payment agreement made with a client can suspend any other collection activity from the collection strategy for that specific client.

 Letter generation and printing

In some steps of the collection strategy, it is required to send written notifications to customers. With Capone Telco, collection departments can generate and send documents automatically, using predefined templates. Letters can be managed in-house or outsourced to a third party printing company. Capone Telco sustains both options. Users have access to all documents generated by the system manually or automatically. 
Capone Telco allows the management of return mail, allowing also the definition of return mail reasons. Those reasons can trigger automatic actions in the system.

 Collection Scoring

The Scoring Module executes automatic decision models such as scorecards and decision trees. It allows you to set the collection plans, determine the probability of self-curing accounts, the next best collection action and also the segment that is most likely to respond to a certain collection action

 Operational performance reports

At any time, users can extract operational reports from Capone Telco. Some examples of reports that can be extracted from the system:

• Accounts in queues (List with queues and number of accounts in queues)
• Accounts in queues at a future date (According to the current timelines, a forecast can be produced, containing information about the accounts in queues at a future date)
• Worked Account (List of users and worked account from queues)
• Payment Arrangement (Payment Arrangement lists)

 Built-in report generator

The Report Generator module allows non-technical users to define and run reports from Capone.
Based on objects from Oracle Database (views, tables, procedures), the system allows power users to develop and implement new reports and to modify the existing ones. 
The users can load a certain report from the list and choose entry parameters specific for each report. Access to reports is based on the rights of the user’s or the user’s group. Reports can be generated in HTML, EXCEL-HTML or EXCEL-CSV format. For further information, please visit NextReports website, www.next-reports.com.

 Champion challenger

This module ensures the optimization of the collection processes and management of all collection activities in a more effective way. Capone Telco allows you to run multiple champion-challenger strategies simultaneously.

 Standard interface with core systems (Billing, DataWarehouse, CRM,etc)

In order to ensure a 360 view over each account, relevant information about customers, such as contact data, financial data, etc. will be imported in Capone Telco every day. Furthermore, through a bi-directional interface, Capone Telco will send comments about the collection activities for accounts to specific systems.

 Interface enabled to SMS Gateway, Fax Server, Printing Factory, Dialer

Capone Telco can be integrated with other communication systems, such as SMS gateway, Printing factory, Dialer, etc. in order to improve and automate the communication with customers. The interface can be done by using standard interfaces, supporting various interfacing methods: ASCII files, DB link, WebServices, APIs.

 Multi-language and Multicurrency

Capone Telco system is a multilanguage system. At this moment, it is available in English, Russian and Romanian versions.  Any new language is easy to implement in order to match each collection vocabulary and process.
Moreover, the system supports multicurrency. A functional currency is defined in the system in order to report every amount in the system at a unitary currency.