Flow and Grow

Open Credit 4.0


Open Credit 4.0, from Collenda, will help your credit and collections flow more smoothly. Designed with lean operations in mind, our new, integrated platform began with the unique concept of a smart workflow.

Our smart workflows employ advanced artificial intelligence to optimise operations for each product and client, with data and payments flowing naturally from first application to final payment. Smart workflows help agents offer consistent and efficient service while giving the best outcome for creditors and debtors.

Collenda’s Open Credit 4.0 is the result of 30 years’ experience in credit management. It is easy to use and runs in the cloud, so deployment is simple and service agents can work from any authorised location. Your clients will benefit from easy access via a secure mobile application. Flexibility and scalability comes with complete transparency and absolute  attention to data protection and regulatory compliance.

Open Credit 4.0 will let your business flow, and grow.

open credit - experience

Better Experience

User-friendly and intuitive interfaces

open credit effectivity

Greater Effectiveness

Strategy recommendations powered by AI

open credit effizienz

Higher Efficiency

Cloud + API = Platform as a Service

Open Credit 4.0

The new Open Credit platform offers you software solutions for the entire credit life cycle. Thanks to various function modules, which you can combine individually, you remain highly flexible – still you benefit from a fast integration. At the same time, your business becomes highly scalable, as Open Credit solutions are delivered fully in the cloud. Furthermore, various APIs offer you a real-time data exchange with partners while AI-based intelligent and automated processes and workflows help you achieve greater effectiveness at reduced costs.

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certified cloud solution

Certified Cloud Solution

CLOUD ECOSYSTEM offers the quality label “Certified Cloud” as a decision-making aid when choosing SaaS and cloud solutions. Collenda’s Open Credit 4.0 Software as a Service was tested in the category “Finance and Administration” and awarded the “Certified Cloud” certificate.

open credit for banks

Credit Platform

Collenda looks after the complete credit life-cycle, maximizing efficiency in the back-office and offering a seamless experience for debtors. Our performance analytics and smart workflow technology mean complete transparency for management and tangible gains in collections and recovery rates.

Complete life-cycle support including risk and regulatory reporting for:

  • Commercial lending
  • Mortgage lending
  • Consumer finance
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Corporate Platform

Our corporate collections platform helps balance effective debt management with fair treatment of debtors. For consumer debts, efficiency is key and Collenda’s smart automation offers maximum client engagement with lower administration costs. For trade credits, Collenda’s cloud platform brings a systematic approach to credit scoring, cutting losses and freeing up working capital.

Consumer and commercial credit management for:

  • Utilities
  • Telecomms
  • Trade credits
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open credit for corporates
open credit for agencies

Agency Platform

Efficient case management, integrated data feeds and compliant workflows are key advantages of the Collenda platform for debt collections agencies and bailiffs. As a cloud service with an easy to use client portal, Collenda lets everyone see the same, up-to-date information, accelerating case work and speeding resolution.

Commercial and legal collections management for:

  • Debtor Services
  • Debt Collection Agencies
  • Bailiffs
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Collenda is a new name, but a long-trusted supplier of credit management and collections software to over 700 banks, corporates and collection agencies across Europe.

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