Logo

Digital Transformation in Debt Collections with ENCollect

Seasia Infotech partnered with Enterprise Tiger to deliver ENCollect Phoenix, a next-gen debt collection software that redefines recovery processes for the BFSI industry. By embedding automation, real-time analytics, and secure workflows, this digital transformation in debt collection project streamlined operations, reduced costs, and improved compliance. With intelligent segmentation, multi-channel communication, and secure data handling, Seasia created a future-ready platform for BFSI digital solutions.

Let’s Partner to Reimagine Debt Collection Services

Overview

Overview
INDUSTRY
BFSI / FinTech
PROJECT DURATION
1 Year

Our client, Sumeru Enterprise Tiger Business Solutions Pvt. Ltd., a BFSI-focused digital solutions provider, needed an advanced debt collection software to overcome inefficiencies in recovery processes. The goal was to create a platform that not only improved collection efficiency but also elevated compliance, security, and customer satisfaction. 

Business Challenges

Traditional debt collection systems posed significant roadblocks:

Inefficient Collection Processes
  • Heavy reliance on manual efforts.
Lack of Real-Time Insights
  • No centralized view of agents, payments, or customer interactions.
Poor Customer Experience
  • Fragmented communication leading to delays and disputes.
Security Risks
  • Sensitive financial data at risk due to manual handling.

Seasia’s Solution

Seasia designed and implemented ENCollect Phoenix, a state-of-the-art digital transformation in debt collection platform, offering:

Automated Segmentation & Loan Treatment Plans for efficient recovery.

Mobile App Integration for real-time agent tracking, payments, and notifications.

Role-Based Access Control in Collections with biometric login and IMEI-based authentication.

Data Encryption in Financial Services for secure transactions.

Seamless Legacy System Integration with APIs for banking operations.

Multi-Channel Communication in Debt Management to enhance borrower engagement.

Our Technology Stack

Frontend

React.jsReact.js
AngularAngular
MS SQLMS SQL

Backend

FlutterFlutter
Java (Spring Boot)Java (Spring Boot)

Database

.NET Core.NET Core
PostgreSQLPostgreSQL
Redis (for caching)Redis (for caching)

Integrations

Banking APIsBanking APIs
Payment gateways (UPI/NEFT/RTGS)Payment gateways (UPI/NEFT/RTGS)
Document storage (AWS S3 / Azure Blob)Document storage (AWS S3 / Azure Blob)

Security

AES-256 encryptionAES-256 encryption
OAuth 2.0OAuth 2.0
IMEI & biometric authenticationIMEI & biometric authentication

Infrastructure

DockerDocker
KubernetesKubernetes
Azure cloud servicesAzure cloud services

Analytics & Reporting

Apache KafkaApache Kafka
Power BIPower BI
TableauTableau

Features Delivered

These advanced capabilities were powered by Seasia’s custom software development services, ensuring scalability, compliance, and seamless user experience

  • User Management

    Digital ID cards, hierarchical staff/agency management.

  • Automated Loan Segmentation & Treatment Plans

    Custom recovery strategies executed daily.

  • Allocation & Payments

    Configurable dashboards, multi-channel payment gateways, receipt generation.

  • Security Enhancements

    Encrypted storage, role-based access, biometric authentication.

  • Real-Time Insights

    Performance monitoring dashboards for agents and institutions.

Results & Achievements

  • 30% Increase in Collection Efficiency

    Automated workflows cut manual work.

  • 50% Reduction in Operational Costs

    Digital-first approach reduced paperwork.

  • 40% Drop in Disputes

    Customer engagement in debt recovery improved transparency.

  • Enhanced Compliance & Security

    Encryption and access controls minimized fraud risks.

  • Scalable & Future-Ready

    Adaptable architecture for BFSI expansion.

;

Transforming Collections with Seasia’s Expertise

With ENCollect Phoenix, Seasia Infotech successfully demonstrated how digital transformation in debt collection can revolutionize BFSI recovery systems. From loan segmentation and treatment plans to role-based access control in collections, our solution empowered Enterprise Tiger with secure, scalable, and intelligent debt recovery.

Looking for the best software for tracking overdue payments?

Let’s Connect Further

What They Say

Vish Walia

Vish Walia

CEO at Realesta

An Esteemed Client

An Esteemed Client

New York, USA

Mrs. Arshpreet Kaur

Mrs. Arshpreet Kaur

Director, WELRM

Nigel Teags

Nigel Teags

CEO - TrackNinja

Insights & Resources

Blogs

Cyber Security-

Why AI-Driven Zero Trust is the Next Evolution in Cybersecurity

Ransomware crews now weaponize generative AI to write polymorphic malware in minutes, while hybrid work has dissolved every neat network perimeter.

AI/ML Services-

Top Artificial Intelligence Companies Transforming Enterprise Solutions

From optimizing processes to forecasting client behavior, artificial intelligence enables businesses to work smarter, not harder.

July 25, 2025

Application Services-

Microsoft Dynamics CRM vs Traditional Systems: Is Your Business Ready for the Future?

The way you manage customer relationships can make or break how efficiently your team works, how your brand is perceived, and how fast you grow.

July 16, 2025