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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

What can emerging markets learn from the Italian banking crisis?

The story

The constitutional crisis in Italy was induced by the March general elections, which saw anti-establishment parties Lega and the Five Star Movement grow dramatically in vote share. Both endorsed an economic plan that hinged on Italian withdrawal from the EU.
Over the last two months, political grandstanding by the parties involved has caused concern across the Eurozone - and rightly so. The financial stability of the European Union is at stake.
Italy accounts for a fifth of the Eurozone’s economic activity - too much to be ignored, and possibly too much to be saved. Italy has the third largest economy in Europe - but also the second largest national debt at 132% of GDP, and its banks are burdened with high levels of non-performing loans.
Under these circumstances, an Italian exit from the Eurozone would see interest rates on Italian debt accelerate, demanding a major restructuring of Italian debt, a potential failing of the banks which hold around 45% of Italy’s treasury debt, and a potential economic catastrophe for Italy and her creditors.
The Italian situation serves as a warning and a learning opportunity for recovering and developing economies elsewhere in the world. In particular, India - which is particularly troubled by non-performing loans - can stand to learn a lot from Italy’s missteps.
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