CGI consultant

An integrated, end-to-end approach to collections like no other

Collections teams are balancing rising cost-to-serve, higher digital expectations and increasing scrutiny on how customers experiencing financial difficulty are supported. At the same time, many organisations are still managing debt collections through legacy platforms, manual workarounds and fragmented vendor stacks.

CGI Credit Studio for collections (previously CACS-X) helps you modernise confidently, bringing together decisioning, workflows, customer engagement and analytics in one platform so you can streamline operations, reduce risk and deliver better customer outcomes.

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45+ years
experience in default management
US$2 trillion+
debt processed daily
75%
of the world’s top 20 banks trust CGI

CGI Credit Studio for collections is an ‘Arum Approved System’

Arum Global’s certification validates that our solution meets global collections and recoveries requirements for robust functionality, modern technology, and client-ready implementation.

Arum approved stamp

Why Australian organisations choose CGI Credit Studio for collections

Governed treatments and audit-ready evidence

Apply policy-controlled strategies across channels and teams. Configure treatment rules, contact strategy guardrails and approval steps, and maintain clear audit trails across decisions, actions and communications, so you can demonstrate consistent outcomes.

Real-time, event-driven collections

Move beyond batch cycles. Use real-time triggers (e.g., payment events, billing changes, broken promises, hardship indicators and customer contact) to adjust treatments and next steps as circumstances evolve.

Digital-first customer journeys

Offer 24/7 self-service options that make it easier for customers to resolve arrears—supported by digital communications, payment pathways and virtual assistance. Reduce inbound demand on agents while improving resolution and experience.

Faster time-to-value, without a “big bang”

Adopt capability by capability. Our “function-by-function” approach helps you deliver measurable value sooner, reduce delivery risk and modernise at a pace that suits your organisation.

Careers - women with laptop

Financial difficulty support, built in

When a customer needs assistance, collections shouldn’t become a separate process, it should become a different pathway with clear governance and consistent execution.

With our debt collection software, you can:

  • Identify and route customers into financial difficulty workflows
  • Support structured assessment and consistent decisioning
  • Create, manage and monitor arrangements with clear review points
  • Maintain a complete record of decisions, actions and communications
  • Transition customers fairly as circumstances change

A complete approach across the collections lifecycle

CGI Credit Studio for collections supports the full lifecycle with consistent governance, digital-first servicing and enterprise-scale performance.

Early intervention and arrears

  1. Prioritise accounts
  2. Enable self-service
  3. Trigger next steps

Financial difficulty and assistance

  1. Assess consistently
  2. Manage arrangements
  3. Control transitions

Recovery and post-charge-off

  1. Orchestrate recovery
  2. Measure performance
  3. Retain evidence
visualizing the credit lifecycle
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AI-enabled collections, implemented responsibly

CGI Credit Studio for collections is a cloud-native, AI-enabled collections platform with embedded predictive and assistive AI. AI supports better decisioning and productivity, while your organisation retains governance, oversight and accountability.

  • Recommend next-best actions based on your strategies and objectives
  • Prioritise workloads using predictive analytics (e.g., propensity-to-pay and cure likelihood)
  • Provide AI-assisted agent guidance by surfacing relevant context and recommended steps
  • Reduce after-call work with AI-generated summaries and consistent documentation

Introduce AI capabilities in phases, validate performance, and expand adoption as confidence grows.

Built for Australian industries

We serve organisations across industries, with a strong focus on banking and lending, utilities and telecommunications.

credit studio retail banks

Financial Services

Modernise arrears and recovery with real-time decisioning, governed treatments and consistent customer journeys across products and portfolios.

Credit Studio utilities provider

Utilities

Connect billing-led triggers to timely outreach and easy self-service payments and arrangements, while maintaining controlled communications and consistent treatment.

Credit Studio telecommunications provider

Telecommunications

Support high-volume, digital-first collections with event-driven strategies, customer self-service and integrated pathways across billing, credit and service journeys.

Designed to integrate with your ecosystem

Collections doesn’t operate in isolation. Our debt collections software is built to connect with your enterprise environment—billing, CRM, digital channels, data platforms and payment services—so you can streamline journeys and improve operational visibility.

  • API-led integration and modern architecture
  • Configurable workflows and treatment strategies
  • Scalable, cloud-native delivery to support enterprise volumes
  • Operational controls, reporting and auditability
Mobile credit card purchase illustration