Credit Energy

Managing Credit, Collections, and Delinquency in the Energy & Gas Market

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Neta's Credit Energy automates collection processes, monitors the status of credit positions, supports recovery activities, enables delinquency prevention strategies and provides advanced segmentation, scoring and risk analysis tools. Thanks to full integration with Billing, CRM, payment systems and analytics tools, credit is governed through a single and updated view of the customer and his exposure.

A solution designed to govern the entire credit management cycle in electricity and gas sales companies, it supports all post-billing processes, from collection management to payment reconciliation, from debt collection to arrears management, allowing continuous supervision of financial exposure and customer risk.

Why Choose a Neta solution

Complete governance of the credit cycle

The solution manages all the processes that characterize Credit Management in an integrated way, from collections to refunds, from arrears to repayment plans, up to accounting and reporting, ensuring unified and consistent management of the entire post-billing cycle.

Single view of customer location

Back office, customer care and debt collection operators have a centralized view of receivables, collections, turnover, arrears, payment status and actions taken, improving decision-making speed and operational effectiveness.

Reduced risk of default

The solution makes it possible to promptly identify critical positions, segment customers on the basis of risk and activate differentiated recovery strategies, contributing to the reduction of outstanding payments and the improvement of collections.

Native integration with Utilities ecosystem

Neta Credit is an integral part of the Neta platform and communicates natively with Billing, CRM, payment systems, analytics and customer management tools, ensuring information continuity and fluid processes throughout the Meter-to-Cash cycle.

High configurability

Each component can be customized based on business strategies: credit rules, white lists, black lists, scoring, recovery workflows, repayment plans, delinquency processes and banking integrations.

Centrality of information

The availability of contextual data, business indicators, ageing analysis and advanced dashboards allows a proactive approach to credit management and recovery activities.

Integrated collection management

It supports massive receipt of feedback, management of SEPA direct debits, PagoPA, bank transfers, unpaid payments, manual uploads and reconciliation of payments from different channels.

Automated refunds and compensations

It allows the massive and timely management of refunds, credit-debit compensations, realignment of payments and management of user credits deriving from adjustments, credit notes or abnormal payments.

Complete management of arrears

The solution governs reminders, default and deferring interest, installments, assignments of credit, external credits, repayment plans and states of arrears.

Credit Scoring and customer segmentation

The classification of users through scoring and white/black list models makes it possible to differentiate management and recovery strategies according to the historical behavior of customers.

Advanced reporting engine

Tools are available for monitoring collections, credit ageing, financial exposures, recovery performance and business indicators such as DSO, credit risk and recovery rate.

Integration with accounting and banking systems

The solution ensures integration with the interbank system and the production of the flows necessary for internal and external accounting systems.

Improved cash flow

Proactive management of risk positions, reduced collection times, and optimized recovery strategies lead to improved corporate liquidity.

Reduction in unpaid debts

Adopting scoring, segmentation, and differentiated recovery models helps reduce non-performing accounts and the value of bad debt.

Greater operational efficiency

Automating collection, reconciliation, recovery, and monitoring processes reduces manual tasks, operational errors, and administrative costs.

More effective debt recovery

Access to contextual information, KPIs, and decision-support tools enables more targeted interventions, increasing recovery rates.

Improved customer experience

Personalized repayment plans, proactive communication, and transparent account management help maintain positive customer relationships, even in challenging situations.

Support for strategic decision-making

Analytics, financial KPIs, and predictive tools enable management to monitor exposure, risk, collection performance, and the business's economic sustainability.

A complete and customizable solution for Billing in the Energy & Utilities sectors.

Flexibility in computational processes

• It manages all stages of the invoicing process

• Calculation of amounts based on actual or estimated consumption

• Supports complex and sector-adaptable algorithms

Data automation and integration

• Acquires data from previous reading processe

• Generates flows for electronic invoicing

• It can be integrated with existing multi-utility systems

Configurability and customization

• Customization of rates, tiers, and bands

• Management of supply groups and schedules

• Configuration of customized billing chains

Gen AI-powered AMS: from reactive to predictive

Thanks to Generative AI, Application Management Services is evolving into an intelligent ecosystem: it learns, adapts, and anticipates change, transforming daily operations into continuous innovation.

On prem/Cloud & SaaS

Support services for the solutions

Corrective Maintenance

Timely analysis and removal of the root causes of anomalies occurring in the software solution in production.
Adaptive Maintenance

Prevent potential events that may lead to malfunctions in the operational applications.
Regulatory Maintenance

Ensure the application solution remains compliant and up to date with evolving regulatory requirements relevant to the market context.
Application Monitoring

Monitor the performance of the solution in order to detect any anomalous events that could compromise its proper functioning.

Innovation Takes Shape

From real-world applications to success stories, discover how Neta solutions turn Utility challenges into new opportunities.