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The company

EXUS is an enterprise software company specializing in credit risk management, digital transformation services and innovation management. EXUS was founded with the vision to simplify enterprise software, make it simple, accessible and exciting.

With headquarters in London and research & development centre in Athens, EXUS support organisations worldwide to improve their results by introducing simplicity & intelligence in their business processes through state of the art technology.

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We significantly improve the business of those we serve, simplifying complexity to enable intelligent action.

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Working at EXUS

At EXUS we believe that technology exists to serve people. This means we spend time thinking about how people interact with the world around them; about the cognitive process. We enjoy a workplace where curiosity and ambition are put in service of making software that makes people smarter.

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EXUS Collections & Recovery Blog

EXUS Insights: In Singapore, banks bear the burden of growing credit card debt

The common conception of collections is as a historical activity. A debt was owed and is now delinquent. So it’s the act of rectifying a historical account.
Singapore has a problem with credit cards. Specifically, it has a rising problem with bad credit card debt that has to be written off: $20.74 million as of March of this year, according to the country’s Monetary Authority.
While credit card debt constitutes a modest 2-3% of household debt in Singapore, a rise in non-repayment could indicate more significant economic issues to come - think 2008. If credit cards continue to go unpaid, banks will raise rates to compensate for the written-off debt; consumers will find their spending power cut, and the cost of their debt on the rise, which will combine to drive down spending.
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