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Investing in Digital Knowledge Supports Digital Transformation

4 min.
EOS employees in Croatia educate and exchange knowledge and experience through the internal initiative EOS Digital Club
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EOS supported Money Tik Talks Conference for Gen Z

2 min.
Barbara Cerinski highlights the importance of financial literacy for Gen Z, offering insights and strategies for managing money and securing a successful future.
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NPL Directive: EOS is working intensively on its implementation

EOS successfully implements provisions of the NPL Directive

5 min.
EOS shows how the provisions of the NPL Directive are being implemented locally by its national subsidiaries.
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Marwin Ramcke, izvršni direktor, stoji u svijetloj prostoriji u plavom odijelu i s desnom rukom u džepu.

Interview: EOS Board on the 2023/24 financial year

7 min.
The EOS Board on the 2023/24 financial year: How business has developed in the regions, why sustainability remains a key focus area, and how EOS is optimally prepared for the future.
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ESG: EOS has a clear agenda for environmentally conscious and socially responsible action. Corporate Responsibility experts see to it that the strategy is being implemented in the national companies.

ESG experts promoting sustainability at EOS internationally

4 min.
Commitment to strategy: Sustainability is becoming a success factor for financial companies. ESG experts at EOS are driving environmentally conscious and socially responsible action internationally.
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Innovation contest: The winning team presented artificial intelligence (AI) that can independently make and receive call center calls.

Innovation contest: When employees shape the future with AI

3 min.
Now for the third time, EOS was calling on its employees to take part in the innovation contest. The goal: promoting international collaboration and enhancing performance.
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EOS colleague reading documents in EOS lobby

EOS MATRIX Licensed as Authorized Credit Servicer by CNB

2 min.
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Pravedna naplata dugovanja: Korisnik koji ne ispunjava svoje obveze obrađuje svoje plaćanje jednostavno i anonimno putem pametnog telefona.

Fair debt collection: A question - EOS has concrete answers

3 min.
The central question in responsible debt collection is: How do we handle defaulting consumers? As EOS demonstrates, there is more than one good answer to this question.
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Unsecured receivables: Image shows two people looking at an invoice together.

Unsecured receivables: How EOS stabilizes companies.

3 min.
Whether they are a bank, energy utility, telecoms or e-commerce firm, EOS helps businesses from a wide range of sectors to reliably plan ahead by purchasing their unsecured receivables.
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Kollecto+ je digitalni sustav naplate potraživanja tvrtke EOS.

Digital debt collection system: The success story of Kollecto+

3 min.
Almost half of EOS national subsidiaries work with Kollecto+. The digital collection system is making great strides and offers customers and consumers alike many benefits.
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Headshot of Stephan Ohlmeyer, member of the EOS Board, and Jan Ottenbreit, Head of Division Central Europe.

New EOS region Central Europe: “We’re creating openness to new goals”

3 min.
Better knowledge transfer and greater openness to new business areas are what EOS aims to achieve with the new Central Europe region.
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IFC representatives visited the EOS Group in Hamburg, celebrating the cooperation in the Polish market and solidifying the commitment to sustainable investments.

ESG criteria: EOS and IFC pursue sustainable portfolio acquisition

3 min.
In Poland and southeastern Europe, IFC (International Finance Corporation) and EOS apply strict ESG criteria covering social and environmental aspects when buying NPL portfolios.
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Ilustracija žene ispred računala okrenute prema robotu

RPA: Improving quality with software robots at EOS

2 min.
“Programmed revolution”: The EOS Group is optimizing its digital receivables management with robotic process automation, freeing up staff for more complex and creative tasks.
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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.

4 min.
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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Jedna ilustracija prikazuje robota ili chatbota koji drži različite grafikone i tekstove, kao i nekoliko zaposlenika koji rade na računalima i postavljaju pitanja chatbotu.

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

3 min.
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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EOS Headquarter in Hamburg

EOS Matrix rejects the possibility of unauthorized extraction of data

2 min.
Independent forensic investigations have determined that the data provided to AZOP significantly differs from the data in EOS Matrix data base
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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.

2 min.
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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Grupna fotografija prikazuje članove uprave EOS-a (s lijeva na desno) Andreas Kropp (Njemačka), Justus Hecking-Veltman (Financije), Marwin Ramcke (predsjednik), Carsten Tidow (Istočna Europa) i Dr. Andreas Witzig, (Zapadna Europa).

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

4 min.
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.

2 min.
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.

3 min.
Supporting and encouraging people ensures growth: EOS has created numerous programs that enable employees to grow both personally and professionally.
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Slika u krupnom planu prikazuje Cristiana Musat​a, generalnog direktora EOS International BVG i „mozak“ projekta Kollecto+.​

Debt collection software: More efficiency thanks to standardized system.

2 min.
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.

3 min.
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.

4 min.
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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An image illustrates the financial insecurity of women amid the crisis: A woman with a calculator looks at a bill and holds her head worriedly.

Study: Is money still ‘men’s business’?

3 min.
Who saves more, who makes decisions more confidently, and who has greater financial reserves? An EOS study reveals how differently men and women handle financial issues – and suggests possible reasons.
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Notice of Alleged Unauthorized Handling of Personal Data

2 min.
EOS Matrix applies adequate organisational and technical measures for the protection of personal data in accordance with the positive regulations of the General Data Protection Regulation.
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Debt in Europe due to inflation: consumers having to tighten purse strings.

Study: One in five people is taking on debt as a result of inflation

4 min.
How have rising prices affected the financial situation of consumers? An EOS study reveals that many people have had to take on debt to compensate for inflation.
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Financial education for young people: Many young consumers feel financially insecure.

Survey reveals: Young people want more financial education.

4 min.
Do you think young people have no desire to deal with their own finances? As a recent survey shows, this is certainly not the case. The level of interest is great – as are their fears for the future.
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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

4 min.
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 u Globalnom sporazumu UN-a: Alisha Kumar i Sibylle Weingart vode brigu o korporativnoj odgovornosti u EOS-u.

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

6 min.
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.

3 min.
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”

6 min.
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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To je nova marka EOS: Marwin Ramcke prezentira sebe i novi logotip tvrtke EOS.

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

3 min.
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.”

4 min.
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

4 min.
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.

5 min.
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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Strategija korporativne i društvene odgovornosti EOS Grupe: EOS središnjica u ulici Steindamm u Hamburgu

How debt collection can help create a sustainable world

6 min.
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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flag, star, structure

Survey shows that around one in five Croatians has excessive debt.

3 min.
How many people have gone into debt during the pandemic, and how many have even incurred excessive debt? The Covid-19 Financial Report provides insights into the financial situation of consumers.
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Poslovni čovjek skreće pogled: digitalno povjerenje potrošača/-ica je nisko

EOS survey reveals that consumers have no digital trust

4 min.
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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Korisnici pametnog telefona u velegradu: podaci su postali glavno ekonomsko dobro.

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

3 min.
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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Digitalizacija: Tri zaposlenika su u uredu otvorenog tipa, žena sjedi među papirima ispred svog računala

Digitalization: Europe’s not doing enough.

Digitalization insufficient: Over half of European companies rate themselves poorly. This is shown by the EOS survey “European Payment Practices” 2019. Where are the weaknesses?
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Kibernetička sigurnost: Osiguravatelj kontrolira prostor poslužitelja

Cyber security a trending issue for European companies

In matters of data security there’s still work to do. An EOS survey shows that top decision-makers in European firms see cyber security as a trending issue.
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Digitalno plaćanje: Čovjek stavlja svoj mobilni telefon na platni terminal

Digital payments: European companies lag behind.

The EOS survey “European Payment Practices” 2019 shows that only 28 percent of European companies offer digital payment. Will the EU Directive PSD2 create momentum in the market?
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Annual and Sustainability Report 2023/24

Very good results in challenging times: In its 50th anniversary year, the EOS Group looks back on a demanding and successful financial year 2023/24. All key figures, business highlights and exciting throwbacks to 50 years of EOS as well as achievements and highlights of the EOS Group's commitment to its social, societal and environmental responsibility can be found in this year's annual and sustainability report.
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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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