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EOS Magazine

Cybersecurity expert Janusch Skubatz, Chief Information Security Officer of the EOS Group, with brown hair and white shirt

Not sure about generative AI? The balance between innovation and risk.

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Generative AI offers companies enormous potential. The Otto Group reduces these risks with its in-house ogGPT tool. The EOS Group also benefits from this.
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Een illustratie toont een robot of chatbot die diverse grafieken en teksten ophoudt, evenals een aantal medewerkers die met een computer werken en vragen stellen aan de chatbot.

How generative AI is taking over routine tasks in the financial sector

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Already, generative AI can handle a lot of typical tasks in financial services companies. EOS is testing how chatbots can reduce employee workload even more and improve their efficiency.
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Een enquête toont aan dat AI-potentieel nog steeds niet wordt benut binnen risico en financiën

Survey reveals: AI potential not being exploited in risk and finance.

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A survey reveals that generative AI like ChatGPT offers companies potential applications in numerous areas. In the area of risk and finance, it also harbors untapped potential.
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A photo shows a dilapidated building in Režanci, Croatia. A ‘stranded asset’ that EOS Croatia is putting back on the market.

Stranded assets: EOS creates solutions for unusable real estate.

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The number of unusable properties is growing, partly as a result of increasing requirements for sustainability. EOS is developing new areas of expertise to bring stranded assets like these back onto the market.
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De Raad van Bestuur van EOS in een groepsfoto, van links naar rechts: Andreas Kropp (Duitsland), Justus Hecking-Veltman (CFO), Marwin Ramcke (CEO), Carsten Tidow (Oost-Europa) en Dr. Andreas Witzig (West-Europa).

2022/23 fiscal year: The Board of the EOS Group takes stock.

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In this interview, the members of the Board of the EOS Group talk about the positive developments in fiscal 2022/23, employees, diversity, and the responsibility of debt collection companies.
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Cybersecurity is a top priority for EOS. To achieve this the company is setting up an international protective shield.

EOS Group relies on cutting-edge technology for data protection.

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Using cutting-edge technology, EOS protects the data of customers and consumers from attacks by criminals. The new cyber-shield “Iron EOS” makes this an even faster and more efficient process.
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A man and a woman having a relaxed-looking conversation, as a symbolic image of a corporate culture where employees have autonomy.

Empowerment: How EOS attracts and retains employees.

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Supporting and encouraging people ensures growth: EOS has created numerous programs that enable employees to grow both personally and professionally.
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Dit is een gezichtsfoto van Cristian Musat, Managing Director EOS International BVG, en de ‘hersenen’ achter het Kollecto+ project.

Debt collection software: More efficiency thanks to standardized system.

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In the Kollecto+ collection system, all EOS companies pool their knowledge and experience, and in doing so improve the efficiency of the entire Group.
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 A graphic shows several people communicating with each other through email, conversations, and letters.

How EOS makes debt collection responsible and fair.

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EOS stands for fair and respectful receivables management. The debt collection company accomplishes this with technology that simplifies processes for consumers and with trained staff.
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Financial literacy: Learning at an early age about how to handle money properly can protect people from excessive debt later on.

Financial literacy: How EOS is committed to improving financial skills.

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A lack of financial education can accelerate the path to excessive personal debt, especially among young people. With its debt collection expertise, EOS supports financial literacy programs that aim to counter such developments.
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A photomontage shows a car traveling toward the sunset in the right lane of a paved road in an open, green landscape. The asphalt on the opposite lane is completely worn down.

International debt collection: EOS handles receivables management globally for Hertz.

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Cross-border receivables present both logistical and legal challenges. Car rental company Hertz relies on the expertise of EOS for its international debt collection.
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An illustration shows a man and a woman in business attire shaking hands. In the background is a globe with several locations pinned on it – and a stylized income statement.

International debt collection: How EOS processes receivables worldwide.

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EOS is active in 180 countries with its own companies or selected partners. Banks that regularly sell cross-border debts to EOS also profit from this network.
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Record inflation threatens businesses: A rising curve.

Record inflation threatens companies.

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Record inflation and rising energy prices threaten the purchasing power of companies and their ability to invest: Here is how you can mitigate the effects.
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EOS Survey European Payment Practices: The drawing of a man surrounded by question marks and a thunderbolt illustrates that in the face of deteriorating payment practices, companies need to find new approaches to receivables management.

EOS survey: Poor payment practices are putting European companies at risk

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Many European companies are concerned about their survival, as a growing number of consumers and business customers are paying outstanding invoices late or not at all.
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EOS survey European Payment Practices: An illustration with a computer monitor on which two tasks are marked with an ‘x’ and have not yet been completed. Symbolizes lack of digitalization.

Survey: Firms missing out on pandemic-related digital boost in receivables management

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Survey reveals that companies have failed to digitalize their receivables management during the pandemic. What companies should do now to counter poor payment practices and repayment rates.
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Financial literacy means responsibility: A girl sits at a laptop and takes part in online learning.

How EOS is committed to a debt-free world.

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In order to curb excessive personal debt, EOS is taking responsibility and is committed to improving financial literacy in society.
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EOS in the UN Global Compact: At EOS, Alisha Kumar and Sibylle Weingart are responsible for issues of corporate responsibility.

EOS in the UN Global Compact: Taking CR to the next level.

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Joining the UN Global Compact is helping EOS to devise a strategy for its corporate social responsibility. How can the goals of the initiative be applied to your own business?
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Technology highlights of the EOS Group: overview of all trends.

From analytics to security tools: The tech highlights of the EOS Group.

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Year after year, EOS invests in new technological trends. Four examples show how EOS clients, and consumers, can now benefit from these technologies.
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EOS Annual Report 2021/22: Secured debt purchase at EOS

Interview: “The secured receivables market is all about relationships”

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EOS has greatly expanded its expertise in the processing of non-performing secured loans in recent years. Experts from two EOS countries share their experiences and provide insights into two very different markets.
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Dit is het nieuwe merk EOS: Marwin Ramcke stelt zichzelf en het nieuwe EOS-logo voor.

The new EOS brand: Pioneering and more dynamic and digital.  

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In this interview, CEO Marwin Ramcke talks about the mindset behind the brand and what it means for the company’s business partners.
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Portrait photograph of Marwin Ramcke, Managing Director of the EOS Group and responsible for the Eastern Europe region

Interview with new EOS CEO Ramcke: “We are going to set new benchmarks.”

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Marwin Ramcke leads the EOS Group as new CEO. In this interview he reveals his plans for the future and discusses the challenges he sees managers facing today.
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bubble, heart

EOS Chatbot Survey: How employees and customers profit from AI

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Chatbots relieve employees of simple tasks – giving them more time for more complex customer issues and increasing their satisfaction.
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envelope, alarm, push-button, switch, clock

EOS 2021 Chatbot Survey: Two of three companies use bots.

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Nearly two thirds of European companies are already using chatbots – and this number is growing. But they are still leaving a lot of potential untapped.
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CSR strategy of the EOS Group: EOS headquarters on the Steindamm in Hamburg

How debt collection can help create a sustainable world

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The EOS Group is resolutely pursuing its corporate responsibility agenda. But climate protection is not the only objective. The company’s CR strategy focuses above all on social and corporate engagement.
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Chatbots in incassodienst: Robots beantwoorden servicevragen op een laptop.

Debt collection service: Chatbots never sleep

As the technological options available have increased in recent years so too have consumer expectations about the accessibility of customer service. Nowadays, many companies are using chatbots to ensure faster, round-the-clock processing of customer issues. At EOS too, virtual assistants are giving defaulting payers information and thus providing support to service personnel.
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Zakenman wegkijken: het digitale vertrouwen van de consumenten is klein.

EOS survey reveals that consumers have no digital trust

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Do you have digital trust? A recent EOS survey shows that only a minority of consumers believe that companies handle their personal data in a trustworthy way.
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Smartphonegebruikers in de grote stad: gegevens zijn een centrale economische asset geworden.

Data as currency: EOS survey shows consumers are open to selling data

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Personal information for money? EOS survey shows that one in three Europeans is willing to sell data in return for attractive rewards.
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Annual Report 2019/20: Dr. Andreas Witzig, Member of the EOS Group’s Board of Directors with responsibility for Western Europe and North America

EOS in Western Europe: fiscal 2019/20 at a glance

EOS Consolidated in Western Europe: slight uptick in revenue thanks to positive business performance and top position as buyer of receivables.
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AI in customer service: Staff member carries a robot through the office

Artificial intelligence in customer service: What’s next, ROLF?

At EOS partner company Svea Finans, a debt collection service provider in Norway, customer service personnel are working with an AI system that helps them make the right decisions when talking to defaulting payers.
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Kunstmatige intelligentie: de intelligente virtuele assistente Amelia van de Firma IPsoft

Artificial intelligence: Why machines won’t make us unemployed.

Artificial intelligence (AI) will not do away with a lot of jobs but make them more interesting by taking over routine tasks. The key to success: clean databases.
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High investments: Dr Andreas Witzig, Member of the EOS Group’s Board of Directors and responsible for the Western European and North American regions.

Investments: EOS achieved a high level of revenue in Western Europe.

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Investments in debt purchases: Dr Andreas Witzig, Member of the EOS Group’s Board of Directors, on the development of revenues in the Western European and North American regions.
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A project team discusses target groups around the whiteboard.

At EOS, Big data won’t work without humans guiding it.

It’s not just about technology, it’s about people developing a data-driven mindset, the Center of Analytics team explains.
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A young man with a headset smiles while on the phone.

Want to be rid of your debts? These people can show you how.

The call center agents at EOS have quite a record of helping people to pay their dues.
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Two men and a woman having a debate in front of their computer screens.

The rise of RegTechs: Can AI really make compliance less risky, boring and expensive?

A new breed of fintech firm is promising to make requirements like know-your-customer a breeze.
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A project team discusses the status of tasks that have been written on Post-its and stuck to the wall.

More than a buzzword: Why EOS is turning to Agile Software Development.

If you work in a rapidly changing market your business software needs to keep up with the pace – as do the people using it.
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tourist, ridge, descent, ice

Would you rather buy a house or see the world? How Millenials handle debt.

The Generation Y and the clichés about their handling of money. For what do millennials spend money wisely and where do they waste it.
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Portrait photograph of Marwin Ramcke, Managing Director of the EOS Group and responsible for the Eastern Europe region

Don't lose your nerves: What you need to know about buying debt in Central and Eastern Europe.

EOS Director Marwin Ramcke explains his success strategy for trading NPL in 2018.
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European Banking Authority (EBA) conference room

Collateralised NPL: These trends are shaping the market in 2018.

New regulations could attract more high quality investors und lead to rising trade volumes.
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EOS Studies - This is knowledge.

Knowing what moves the economy and society: That is our claim for the market and consumer studies of EOS. Our studies, which we produce together with renowned market research institutes, offer exciting facts about customer payment behavior, payment methods, digitalization and the benefits of data. 
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This was our financial year 2022/23.

Fiscal 2022/23 was characterized by uncertainty. Learn here how the EOS Group nevertheless managed to achieve a positive result. In our Annual and Sustainability Report, you’ll find all our KPIs and business highlights and learn what the EOS Group is doing to meet its ESG (environmental, social and governance) responsibilities.
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