Platform
A decision layer for more consistent collections operations.
It analyzes payments, promises, outreach, channels and outcomes to produce behavioral profile, ORI, next best action, reasons, evidence and traceability.
- Explainable
- Auditable
- Governable
- Enterprise-ready
What it uses
- Payment history
- Promises and their fulfillment
- Recorded outreach
- Channels used
- Historical channel effectiveness
- Individual behavior
What it produces
- Behavioral profile
- Operational Reliability Index (ORI)
- Classification and strategy
- Next best action
- Explainable reasons and evidence
- Decision history and real feedback
Data → Behavior → Criteria → Decision → Evidence
From signal to decision
Data
Payments, promises, outreach, channels and outcomes.
Behavior
Metrics, behavioral profile and Operational Reliability Index (ORI).
Criteria
Versioned, validated and governable logic.
Decision
Next best action per account or credit.
Evidence
Observed reasons, confidence and engine version.
The decision output: never just an action
Next best action
The next best action per account or credit.
Behavioral classification
Profile and Operational Reliability Index (ORI).
Confidence and strategy
Confidence level and assigned strategy.
Reasons and evidence
Observed reasons that justify the recommendation.
Engine version
The logic in force at the time of the decision, for audit.
Decision history
Full traceability to review and compare.
Engine governance
Decision criteria are versioned, validated, compared and published under control. The institution can know which logic was active at the time of a recommendation and how it evolved with evidence.
Where it fits
OPERATIQ operates as a decision layer over existing systems. It complements the core system, the CRM, BI and DWH without positioning itself as a replacement.
Editions
Which OPERATIQ edition fits your operation?
Both editions share the same OPERATIQ decision-intelligence foundation. The right fit depends on your operating complexity and requirements, not on company size.
OPERATIQ Business
For organizations that need the core operational intelligence and collections workflow.
- Operational intelligence and next-best-action recommendations.
- Portfolio prioritization based on behavior and evidence.
- Daily collector and supervisory workflow.
- Promises, channels, risk signals and operational follow-up.
- Operational traceability and auditability.
- Structured portfolio intake and management.
OPERATIQ Enterprise
Adds advanced institutional configuration, decision-quality and governance for more complex operations.
- Everything included in OPERATIQ Business.
- Advanced institutional configuration.
- Advanced decision-quality and evaluation capabilities.
- Expanded governance of decision criteria and configuration.
- Greater flexibility for more complex institutional operations.
- Scale and limits aligned with the agreed operating scope.
The right edition depends on operating complexity and requirements, not on company size.
OPERATIQ Business is also being prepared for acquisition through Microsoft Marketplace, as Microsoft's publication process completes.
Frequently asked
Is OPERATIQ available through Microsoft Marketplace?
OPERATIQ has completed its Microsoft Marketplace technical integration, and its OPERATIQ Business offer is being prepared for publication. Publisher verification with Microsoft is currently in progress, so OPERATIQ is not yet available for purchase through Marketplace. If your organization prefers to acquire through Microsoft Marketplace, contact us and we'll keep you informed as publication progresses.
A decision layer for more consistent collections operations.
Impact is measured with the client's data and operating context. No guaranteed ROI, automatic delinquency reduction or absolute financial outcome is promised.