Celent found the EFS to be a modern loan collections system that meets the needs of all sizes of financial institutions. They also found that many clients were using the EFS solution for multiple types of retail loans, which they felt was a strong indication of the power and flexibility of the system, its configurable business rules, workflow and data management capabilities. The simple to navigate user interface also allows clients to adjust strategies and adapt to regulations on the fly, which is particularly relevant in developing countries where regulatory changes can be frequent and excessive.