Today’s debt relief and recovery solutions must do more than just enable collections; they must also help consumers tackle their debt and offer pathways to recovery. Built in partnership with clients, industry experts and thought leaders, our solution CACS X, offers a revolutionary solution for driving customer-centric default management across the entire collections life cycle.



An integrated, end-to-end approach to default management

CACS X helps lenders overcome challenges related to cost pressures, multi-vendor management, dynamic compliance, and out-of-date processes, technologies, and systems.

Providing business agility and an improved customer and agent experience, CACS X is an intuitive, modern and robust collections solution that can deliver value in as little as three months.


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$1+ trillion
in outstanding debt processed daily for the world’s largest financial institutions



Proven track record in cost savings and a 5-20% increase in debt collected



Implementations for some of the world’s largest organizations in 60 countries



Transforming the collections industry for 40+ years

With decades of collections experience, we offer next-generation default management that reflects major technology investments and a steadfast commitment to helping clients transform debt management and recovery.

Serving 15 of the top 20 banks in the world with 14,000 banking professionals, we can help you streamline debt management, reach new customer experience heights, and drive IT innovation that increases profit and accelerates growth.


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Customer looking at laptop

Real-time everything

Meet your customers digital expectations with 24x7, event-driven collections and real-time triggers for the next best action.

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Self-service and virtual agents

Expand your channels and penetration rates by providing customers with the benefits of intuitive self-service tools and agentless collections.

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Improved customer experience

Artificial intelligence and machine learning enable you to better understand your customers, while agile decisioning helps you deliver a tailored customer journey.

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Quicker time-to-value

Our “function by function” deployment approach empowers you to deliver more benefits and value to your customers.

Reinvent your business with CACS X

Contact us to learn more about what CGI can do for your business.