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Intervalle Technologies
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Banking Solutions · BAINC

Automate collection, master litigation.

The platform that drives the entire collections cycle, from amicable recovery to legal proceedings, with advanced reporting.

Request a demo → See the modules
bainc.intervalle.app/collections BAINC Platform Collection operations dashboard IT Supervisor · Intervalle 14 Jul 2026 MANAGED OUTSTANDING €24.8M +3.2% vs 30d ACTIVE CASES 12,450 +1.8% vs 30d RECOVERY RATE 78.4% +2.1% vs 30d IN LITIGATION 642 -0.7% vs 30d Collections cycle amicable → litigation Unpaid 3,210 Amicable recov. 8,940 Customer contact 5,120 Payment promise 2,380 Recovered 9,760 Litigation 642 Legal recovery 318 Priority cases View all MF Maya Feri Case #A-10428 · consumer loan €4,250 Promise pending AL Adam Loup Case #A-09811 · business loan €18,900 Escalated to litigation Recovery performance Last 8 months 78.4% RECOVERY RATE DecJanFebAprJul Breakdown of portfolio 12,450 CASES Amicable55% Litigation12% Recovered33%
Automated workflowsActive
Multichannel dunningRunning
Legal escalationAutomated
Full traceabilityEnabled
What it is

End-to-end collections, from start to finish.

BAINC covers the entire cycle: from the first missed payment, the platform orchestrates amicable dunning and, if it fails, automatically moves the case into litigation, all the way to legal recovery.

Software published, deployed and operated by Intervalle — designed for banks and financial institutions.

  • From the first missed payment to legal recovery, with no break
  • Automated multichannel amicable dunning
  • Controlled escalation to litigation & legal follow-up
  • Full traceability & dashboard-driven steering
The platform

One platform. Two complementary modules.

Collection first, then litigation. BAINC automatically manages the transition across the entire collections cycle.

Module 1

Collection

Managing and automating amicable collection.

Amicable collection RATE 82% +4 pts CASES 8,540 active Recovery rate · 6 months Explore the module
Module 2

Litigation & Disputes

Managing litigation when amicable recovery fails, through to court.

Litigation & disputes CASES 1,245 ongoing RECOVERED €5.8M legal Case progression 64% Explore the module
Module 1 · Collection

Amicable collection, automated.

BAINC automates amicable dunning while giving teams full visibility and control.

bainc.intervalle.app/collections BAINC Collection Amicable collection management IT Collections officer 14 Jul 2026 ACTIVE CASES 8,540 +1.8%vs 30d RECOVERED THIS MONTH €3.2M +4.1%vs 30d RECOVERY RATE 82% +3.0%vs 30d PAYMENT PROMISES 245 pending Collection strategy engine automated flow 1 Customer segmentation 2 Automated dunning strategy 3 Multichannel contact 4 Payment promise Recovery Active cases View all CUSTOMER AMOUNT DUE OVERDUE STRATEGY STATUS MF Maya Feri Case #A-10428 €2,450 32d Email+ SMS Payment promise RB Ryan Benou Case #A-09873 €8,900 75d Phonereminder Escalation risk AUTOMATED ACTIONS Reminder sent Customer contacted Promise logged Reminder scheduled CHANNELS Email SMS Phone Mail

BAINC automates amicable collection while giving teams full visibility and control.

Module 2 · Litigation & Disputes

From litigation to legal recovery.

BAINC ensures a smooth transition from amicable collection to litigation, with full visibility, compliance and control.

bainc.intervalle.app/litigation BAINC Litigation Litigation and dispute management JC Litigation counsel 14 Jul 2026 CASES IN LITIGATION 1,245 +3.2%vs 30d TOTAL EXPOSURE €15.6M +1.4%vs 30d RECOVERED IN LITIGATION €5.8M +6.0%vs 30d AVG. RESOLUTION TIME 42 days -4dvs 30d Litigation cycle legal flow 1 Amicable failed 2 Case escalation 3 Legal review 4 Legal action 5 Court ruling Recovery Active case AL Adam Loup Case #C-20514 AMOUNT €18,900 Legal review CASE DOCUMENTS Contract Payment history Customer communications Legal documents FULL TRACEABILITY Actions logged Documents archived Audit-ready Regulatory compliance Complete audit trail ANALYTICS 71 % Dispute resolution rate RECOVERY RATE 37% PROCESSING TIME -8d

BAINC ensures a smooth transition from amicable collection to litigation, with visibility, compliance and control.

What BAINC delivers

Recover more, and better.

More efficiency, more traceability, less wasted time.

Faster collection

Reminders triggered at the right time, with no manual work.

Higher recovery rate

Segmented strategies and scenarios continuously optimised.

Multichannel dunning

Email, SMS, mail and calls orchestrated from a single platform.

Smooth move to litigation

The shift to legal proceedings, with no loss of information or time.

Traceability & compliance

Every action is logged and auditable, from first contact to ruling.

Real-time steering

Dashboards on recovery rate, timelines and cases.

+25%
Improvement in recovery rate
−30%
Drop in default rate
−35%
Lower operating costs (collection & litigation)
−40%
Shorter average collection time

Indicative orders of magnitude, varying by context and scope.

Our method

From scoping to run.

A controlled rollout, from requirement to ongoing operation.

  1. 1

    Scoping

    Analysis of your collection processes and business rules.

  2. 2

    Configuration

    Setting up dunning scenarios and litigation workflows.

  3. 3

    Deployment

    IT integration, case migration and go-live.

  4. 4

    Operation

    Run, scenario optimisation and long-term steering.

The banking journey · you are here

Six stages, one shared data core.

Six stages of the customer lifecycle — from onboarding to collections, through to a better customer experience — resting on a cross-cutting automation and data core that connects them and continuously improves them.

Automation, Data & AI — cross-cutting core
01 · Acquire

Onboard customers, 100 % digital

From first interaction to account opening: a smooth, compliant onboarding for individuals and businesses alike.

Learn more →

Digital Onboarding

  • eKYC & facial recognition
  • Document verification & sharing
  • Retail & corporate onboarding
  • Electronic signature

Account domiciliation

  • Salary & income domiciliation
  • Mandate management
  • Approval workflows
  • Tracking & reporting
02 · Operate

The heart of the banking system

Accounts, products, cards, accounting and treasury on the Infosys Finacle suite, implemented and operated by our teams.

Learn more →

Accounts & products

  • Account opening & management
  • Product management (savings, deposits…)
  • Card issuing & management
  • Accounting management

Treasury & operations

  • Cash management
  • Operations & back-office
  • Configuration & migration
  • Core optimisation & hardening
03 · Pay

Collect and pay, everywhere

Secure, compliant payment journeys: e-wallet, mobile banking and card switch.

Learn more →

Payments & mobile

  • E-Wallet
  • Mobile Banking & Payment
  • Biometric authentication
  • Transfers & QR payments

Card switch

  • Payment Switch
  • Card management & routing
  • Authorisation & clearing
  • PCI DSS compliance
04 · Finance

Credit and risk, end to end

Two dimensions under control: credit risk across the lending cycle, and balance-sheet risk (ALM, capital) steered at bank level.

Learn more →

Credit Lifecycle — credit risk

  • Application & document sharing
  • KYC & PEP screening
  • Credit scoring & underwriting
  • Allocation, disbursement & repayment tracking

Risk Management — balance-sheet risk

  • ALM — asset-liability management
  • Capital forecasting & capital adequacy
  • Stress tests & VaR
  • Prudential reporting (Basel)
05 · Recover

Recover, then handle disputes

When payments default, our solution automates the collection process — through to litigation management if needed.

Collection and litigation are exactly what BAINC drives.

Learn more →

Collection

  • Segmentation & dunning strategies
  • Automated dunning workflows
  • Multichannel amicable scenarios
  • Payment promise tracking

Litigation & disputes

  • Move to litigation
  • Legal case management
  • Traceability & reporting
  • Recovery-rate steering
06 · Retain

Retain and personalise, through data

Data and automation serving the relationship: anticipate churn risk and deliver hyper-personalised experiences that lift satisfaction and revenue.

Learn more →

Retention & anticipation

  • Proactive churn detection
  • Behavioural scoring
  • Next best action & alerts
  • Automated retention journeys

Personalisation & revenue

  • Personalised offers & services
  • Contextual recommendations
  • Targeted cross-sell & up-sell
  • Satisfaction measurement (NPS)

Want to see BAINC in action?

Request a demo: we'll show you how to automate your collection and strengthen your litigation. Leave us your details and an expert will get back to you.