Credit Water

In a context governed by increasingly stringent rules on arrears, the protection of vulnerable users and the quality of the service, credit recovery requires a balance between economic sustainability and attention to the citizen.

The solution automates the processes of collection, delinquency management, installments, credit recovery and payment reconciliation, offering a complete and up-to-date view of the customer position.

Neta Credit Water is the solution dedicated to the integrated management of collections, arrears and credit recovery processes in the water sector. It supports Integrated Water Service operators in the governance of the entire post-billing cycle, allowing them to effectively oversee the financial position of users, improve collections and reduce the risk of insolvency in full compliance with sector regulations.

Why choose a Neta solution

Customer-oriented debt collection

The solution makes it possible to manage arrears through differentiated and personalized paths, supporting proactive communications, repayment plans and installments that help the manager to combine economic recovery and quality of the relationship with the user.

Single view of customer location

Receivables, collections, arrears, refunds, payments and the status of recovery actions are aggregated in a single point of consultation, allowing for faster decisions and more effective interventions.

Integrated management of arrears

The solution governs the entire credit recovery cycle, from the preventive phase to reminder activities, from deferrals to repayment plans up to the management of credit assignments and assignments.

Native regulatory compliance

The processes are designed to support ARERA's provisions on arrears, instalments, vulnerable users, suspension of the service and quality of the relationship with users.

Centrality of data and information

Advanced dashboards, business KPIs and risk indicators allow you to constantly monitor the loan portfolio and promptly identify the most critical situations.

Full integration with Meter-to-Cash

The solution operates as an integral part of the Neta platform, sharing data and processes with Metering, Billing, CRM, Digital Payments and Analytics.

Multi-channel management of collections

It supports SEPA direct debits, PagoPA, bank transfers, bank channels, mass uploads and manual registrations, ensuring structured and controlled management of all payment events.

Automatic reconciliation and rerouting of payments

The solution handles anomalous payments, double payments, unrecognized collections and automatic compensations, reducing manual tasks and processing times.

Installments and repayment plans

It allows the definition of customized plans, automatic management of maturities, calculation of interest and monitoring of positions subject to recovery.

Advanced delinquency management

It supports reminders, segmentation of positions, delinquency statuses, credit assignments, and classification of utilities according to configurable risk criteria.

Operational and financial reporting

It provides KPIs and dashboards to monitor DSOs, overdue receivables, bad debts, delinquency levels, effectiveness of collections and performance of recovery processes.

User Credit Management and Refunds

It allows you to administer residual credits, offsets, punctual and massive repayments, reducing management complexity and improving financial oversight.

Credit Management Data-Driven

Recovery strategies are built on the basis of data from Billing, CRM, consumption, payment history and socio-economic indicators, favoring more effective and targeted decisions.

Predictive models of credit risk

The use of Credit Risk Scoring and predictive analytics makes it possible to identify the users at greatest risk in advance and activate preventive actions before the position degenerates.

Credit Agent and AI Support

The Credit Agent supports operators in the analysis, evaluation and management of credit through conversational functions, contextual suggestions and guided workflows.

Early warning on arrears

The integration of consumption and billing data makes it possible to generate preventive alerts and identify potentially critical situations before full-blown insolvency.

Personalized omnichannel collection

The platform enables differentiated recovery strategies based on the customer profile, improving the effectiveness of recovery actions and the quality of interaction.

Cloud-native and composable architecture

Built on Neta Portal, Data Lakehouse, and API Manager, the solution provides scalability, interoperability, and evolutionary flexibility.

Reduction of arrears

Hard-time identification of at-risk positions and automation of recovery processes reduce outstanding payments and improve collection capacity.

Improved cash flow

More effective management of collections, repayment plans and recovery activities helps to increase available liquidity and reduce fixed capital.

Increased operational efficiency

The automation of reconciliation, reimbursement, monitoring and recovery activities reduces the operational burden of credit and customer care offices.

Better quality of service to the citizen

The availability of complete and up-to-date information allows for a more transparent management of credit positions and a better user experience.

Balance between recovery and user protection

Thanks to instalments, segmentation and management of vulnerable users, credit recovery can be pursued in compliance with regulatory provisions and the social sustainability of the service.

Increased decision-making capacity

Dashboards, analytics and KPIs allow management to continuously monitor credit trends, measure risk and optimize collection strategies.

Trends and Technologies for Utilities

Discover articles and in-depth insights on market trends and digital innovations that are transforming the industry.

The Utilities sector is undergoing an unprecedented transformation. Companies are facing the pressure of increasingly stringent regulations, the complexity of modernizing critical infrastructures, and shrinking margins in a constantly evolving market. At the same time, customers expect advanced, personalized, and instantly accessible digital services that guarantee transparency and simplicity in everyday interactions.

In this scenario, Artificial Intelligence (AI) is emerging as a strategic enabler capable of transforming core Utility processes and generating value across the entire service chain. Neta has chosen to integrate AI into its IT solution portfolio to address these challenges, evolving from a technology provider into a strategic partner for digital innovation and sustainability.

Discover more Discover more

Innovation Takes Shape

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

Ruzzo Reti: New solutions to optimize water network management.

We supported the technological and operational transformation of Ruzzo Reti’s water services to optimize its processes and service delivery.

Credit Water

AI and Utilities: How Neta Transforms Core Processes with Artificial Intelligence

Innovation Takes Shape