NCO 360®

NCO is proud to debut NCO 360, a singular, one-stop solution for all your collection needs. We have drawn on our extensive resources to provide an end-to-end process with full support for pre- and post-charge-off collections, third-party collection agency management, payment processing, and debt litigation, all contained in one program.

NCO 360's value proposition is straightforward: a simplified approach to debt collection combined with greater cash collections and competitive pricing.

The services include:

• Portfolio valuation and scoring/segmentation
• Pre-activation and ongoing scrubs for bankrupt and deceased accounts as well as back-office put back support
• Ongoing account-specific information, including credit bureau reporting and automatic address/phone number updates
• Alerts from our proprietary system, which flags new debtor activity        
• Agency and attorney  management
• Client-approved auditing program
• Debt resale support

Our proven collection strategies for every stage of the recovery process have produced some of the highest recovery rates in the industry. eForwardEase and eRecoverEase, our proprietary platforms for managing agencies and attorneys, reduce your administrative overhead, allowing you to focus on the more important aspects of your business.

Depending on your needs and to ensure that our interests are aligned, we customize our business relationship to address co-investment and other special features. We collaborate with you to develop a client-specific solution to meet your unique requirements.

Through NCO 360 we offer our clients a comprehensive debt recovery product that takes full advantage of the synergy that results when talent meets talent.

Interactive Voice Messaging

NCO's flexible IVM platform can support a wide variety of services.

NCO's interactive voice messaging (IVM) platform can support any stage of the customer lifecycle. We can help financial institutions reinforce their brand, build customer satisfaction, and strengthen customer loyalty. Some examples of the call types we can support include:

• Customer acquisition calls
• Outbound calls for new services (up-sell and cross-sell)
• Outbound welcome calls
• Customer retention calls
• Customer winback programs
• Customer surveys
• Automated collection calls

Text Messaging Services

Text messaging is everywhere, and NCO's Text Messaging Solutions is a creative way to quickly communicate with your customers.

Cell phone users in the United States will send an estimated 600.5 billion text messages in 2008. NCO's Text Messaging Services are a cost-effective way for financial institutions to communicate with their customers. Our text messaging campaigns are easy to set up and are free for end users to receive. Using text messaging, we can help financial institutions communicate with large groups of people simultaneously, relaying a wide variety of information, including:

• Collection notices
• Information about new services
• Confirmation numbers and other important information

NCO's Text Messaging Services can also be used in conjunction with our interactive voice messaging services for a multi-channel campaign, and we can also add agent support for two-way communication with customers. 

NCOePayments™

Flexible and completely customized solutions. Our integrated payment solutions efficiently serve customers, helping to increase payments and grow revenue. We offer customers secure payment options via the telephone and Internet, at either our call center or the client's. Our flexible and completely customized solutions include:

ePay Phone

NCOePayments provides the clients opportunity to offer their customers multiple payment options. NCO can implement a customer-friendly and convenient IVR payment solution quickly and effectively. Customers call a toll-free number provided by NCO and access an automated message welcoming them to the bill payment center in the client's name. Customers experiencing difficulty with the IVR system are transferred to an NCOePayments representative who assists them with completing the payment process.

ePay Exchange

Using NCO's advanced extranet technology and with the help of a live call center representative, customers make payments directly. Representatives take payments using NCO's proprietary, customizable payment entry screen. Client representatives can log on to the NCOePayments extranet portal from their call center using a web browser, password, and office code. Representatives then enter payments directly into our database.

ePay Online

NCOePayments also offers an integrated Internet payment solution that is available 24 hours a day, 365 days a year. Using this version of NCOePayments allows customers to link directly from the client's website to the NCOePayment site and make direct payments into a secure, centralized database.

ePay Enterprise

NCOePayments offers this service to NCO clients who wish to use their own system, whether their automated phone system (IVR), customer service system used by customer service reps, kiosk machines, Web sites, or any other system which they use to collect payments. In this scenario, the client is able to connect directly into NCO's payment processing engine. They use their own products, but avail themselves of NCO's processing efficiencies and expertise.

NCOePayments gives customers automated payment options, over the phone and the web, without the capital investment by our clients.

Analytic Services

We can predict which of your customers will defect or grow months before they do.

NCO Analytic Services uses its proprietary pattern recognition technologies to predict which of your customers will defect or grow months before they do. As a result we create "hot lists" to facilitate integrated customer management outreach programs. Similarly, for customer acquisition programs, we use our predictive technologies to laser target those prospects with the highest propensity to buy.  In doing so, we deliver unparalleled sales per hour rates.

Beyond making predictions of behavior, our systems will also provide key marketing intelligence so that we can deliver the right offer to the right customer at the right time with a relevant positioning. Our predictive technologies, coupled with our ability to professionally design and execute both outbound and in-bound campaigns, are yet further evidence of NCO's position as an innovative outsource partner.