About COSMOS
COSMOS is a debt collection software platform from Real Business Software that provides advanced debt collection and intelligent contact solutions. It combines features like debtor connectivity, compliance treatments, and operational deployment to drive effective results for organizations. Designed for modern receivables management, COSMOS supports fine-tuning of collection strategies to align with regulatory requirements and business objectives. The platform allows users to easily manage and deploy collection operations while also facilitating communication with debtors. Key capabilities: debtor connectivity compliance management operational deployment treatment fine-tuning results tracking Best for: finance teams that need efficient debt collection and management solutions.
COSMOS Collect by Real Business Software (RBS) is an advanced debt management platform designed to provide comprehensive control over the entire collections and recovery cycle, delivering analytical power and operational efficiency. Built with a focus on smart, data-driven strategies, it helps organizations optimize debtor engagement, ensure regulatory compliance, and improve financial outcomes. The platform emphasizes “configuration, not customization,” allowing businesses to adapt the system to specific roles and industry requirements without the complexity of coding. Features like configurable screens and context-sensitive help menus create a personalized and user-friendly environment, while fast response times ensure smooth navigation and minimal delays during critical workflows. Functionally, COSMOS Collect stands out with its end-to-end coverage of the collections lifecycle, from pre-delinquency prevention to advanced legal recovery processes. It offers intelligent workflow automation that enables real-time adjustments and strategic account segregation using a robust rules engine, ensuring accounts are worked efficiently and optimally distributed. Its analytical capabilities power treatment optimization for various portfolios, supported by comprehensive reporting and analytics tools, including over 50 out-of-the-box reports and easy-to-build dashboards for real-time performance insights.
Pros & Cons
- +Full Lifecycle Coverage: Manages collections and recovery from start to finish.
- +Advanced Analytics: Built-in models and dashboards to track performance and optimize strategies.
- +Highly Configurable UI: Adjusts to individual roles and industry needs—no heavy customization needed.
- +Compliance-Friendly: Centralized framework with audit tracking, alerts, and regulatory data access.
- +Real-Time Workflow Controls: Segregates accounts and distributes tasks using rule engines and scheduling.
- +Omnichannel Reach: Targets consumers through their preferred communication channels.
- +Security-First Design: Encryption, access control, and data masking safeguard sensitive information.
- +Flexible Deployment: Available both on-premises and as SaaS with low cost of entry.
- +Robust Integration: Extensive Web Services library supports high-volume data exchange with other tools.
- +Proven Impact: Reported gains in revenue, efficiency, and customer experience by existing users.
- −Tech-Heavy Terminology: Might be overwhelming for smaller teams or those without IT specialists.
- −No Public Pricing Info: Cost structure isn’t disclosed upfront.
- −Interface Details Light: Limited visual representation or user testimonials to gauge ease of use.
Features
Key features
- Advanced Analytically-Powered Debt Management
- COSMOS leverages analytics, models, and optimization to fine-tune collection treatments and strategies for each portfolio and debtor segment.
- Highly Configurable User Interface
- The system allows for configuration, not just customization, enabling the UI to meet individual roles and specific industry requirements.
- Real-time Workflow Adjustment & Rules Engine
- Users can adjust workflows on the fly and segregate accounts using a powerful rules engine, along with automated distribution and redistribution.
- Centralized Compliance Framework with Audit Trails
- Simplifies compliance by providing access to regulatory information and corporate policies through a centralized system with pop-up alerts and detailed, timestamped audit trails.
- Omnichannel Debtor Connectivity
- Improves customer contacts and resolution likelihood by targeting the right contact channel for each debtor (implied preferred channels).
- Built-in Accounting Functionality
- Serves as the collections and recovery System of Record, automatically maintaining records and tracking receivables in real-time.
Additional features
- Advanced Analytically-Powered Debt Management Capabilities
- Utilizes advanced analytics for comprehensive debt management across the entire collection cycle.
- On-premise or Software-as-a-Service (SaaS) Deployment
- Offers flexible deployment options to suit organizational needs.
- Configuration, Not Customization
- Provides a highly configurable user interface to meet specific roles and industry requirements.
- Out-of-the-Box Reports
- Leverages more than 50 pre-built reports for immediate insights.
- Customizable Dashboards
- Allows users to easily build dashboards to analyze business performance by various criteria (portfolio, office, workforce, vendors, etc.).
- Real-time Workflow Adjustment
- Enables immediate changes to collection workflows.
- Rules Engine for Account Segregation
- Segregates accounts based on defined rules for targeted treatment.
- Strategies, Scheduled, and On-demand Jobs
- Supports various job types for automated and planned collection activities.
- Automatic Distribution and Redistribution
- Automates the assignment and reassignment of accounts.
- Context-sensitive Help Menus
- Provides relevant help information based on the user's current context.
- Configurable Screens
- Allows users to tailor screen layouts to their preferences.
- Fast Response Times
- Contributes to a positive and productive user experience.
- System of Record
- Functions as the primary system for collections and recovery activities.
- Built-in Accounting Functionality
- Manages and tracks receivables in real-time with integrated accounting features.
- Simplified Compliance
- Centralized framework for regulatory information and corporate policies with alerts and audit tracking.
- Streamlined Payment Arrangements
- Supports authorized settlement plans, convenience fees, and industry-standard payment methods (credit/debit card).
- COSMOS Collection Efficiency, Analytic Models, and Optimization
- Leverages these tools to fine-tune collection treatments for portfolios, lender segments, and regulatory requirements.
- Targeted Contact Channel Selection
- Identifies and uses preferred channels for reaching consumers.
- Reduced IT Footprint and Capital Expenditures (SaaS)
- Benefits of SaaS deployment include lower infrastructure costs.
- Access to Most Up-to-Date Capabilities (SaaS)
- Ensures users always have the latest software features.
- Low Cost to Entry (SaaS)
- Makes the software more accessible for initial adoption.
- High Volume Data Exchange and Decisions
- Efficiently exchanges large amounts of data and decisions with other applications.
- Sub-second Response Times
- Maintains rapid response speeds during integration.
- Ironclad Security
- Protects sensitive data against breaches with an encryption layer.
- Sensitive Data Masking
- Allows sensitive data to be masked and displayed only to authorized users.
- Date- and Timestamped Audit Trails
- Provides detailed historical logs for accountability and transparency.
- Extensive Web Services Library
- Facilitates easy integration with virtually any third-party tool or product.
Pricing
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About COSMOS
COSMOS is a debt collection software platform from Real Business Software that provides advanced debt collection and intelligent contact solutions. It combines features like debtor connectivity, compliance treatments, and operational deployment to drive effective results for organizations. Designed for modern receivables management, COSMOS supports fine-tuning of collection strategies to align with regulatory requirements and business objectives. The platform allows users to easily manage and deploy collection operations while also facilitating communication with debtors. Key capabilities: debtor connectivity compliance management operational deployment treatment fine-tuning results tracking Best for: finance teams that need efficient debt collection and management solutions.
COSMOS Details
COSMOS's In-App Market Place
Does COSMOS have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
N/A
Pricing Options
Accepted Payment Currencies
USD ($), EUR (€), GBP (£), JPY (¥), AUD (A$), CAD (C$), CHF (CHF), CNY (¥), SEK (kr), INR (₹), NZD (NZ$), MXN (Mex$)
Pros & Cons
- Full Lifecycle Coverage: Manages collections and recovery from start to finish.
- Advanced Analytics: Built-in models and dashboards to track performance and optimize strategies.
- Highly Configurable UI: Adjusts to individual roles and industry needs—no heavy customization needed.
- Compliance-Friendly: Centralized framework with audit tracking, alerts, and regulatory data access.
- Real-Time Workflow Controls: Segregates accounts and distributes tasks using rule engines and scheduling.
- Omnichannel Reach: Targets consumers through their preferred communication channels.
- Security-First Design: Encryption, access control, and data masking safeguard sensitive information.
- Flexible Deployment: Available both on-premises and as SaaS with low cost of entry.
- Robust Integration: Extensive Web Services library supports high-volume data exchange with other tools.
- Proven Impact: Reported gains in revenue, efficiency, and customer experience by existing users.
- Tech-Heavy Terminology: Might be overwhelming for smaller teams or those without IT specialists.
- No Public Pricing Info: Cost structure isn’t disclosed upfront.
- Interface Details Light: Limited visual representation or user testimonials to gauge ease of use.
COSMOS's Support Options
Email Address
webcontact@chartermerc.com.auContact
+61 7 3620 7595COSMOS's Alternatives
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