COSMOS

COSMOS, developed by Real Business Software (RBS), is a collection system that automates and streamlines the debt collection process for various industries. According to the vendor, COSMOS is suitable for companies of all sizes. It caters to a wide range of professions and industries, including debt collection agencies, debt buyers, legal practitioners, financial institutions, credit managers, government agencies, business analysts, data analysts, financial analysts, market researchers, and management consultants.

Key Features

Activity Based Costing: COSMOS utilizes Activity Based Costing (ABC) to provide accurate profit/loss statistics on every account and calculate P&Ls across all portfolios. It enables cost control by recording time and disbursement costs for each account.

Limits and Controls: COSMOS allows users to define action limits per client/debt range, giving them control over the number of phone calls made and letters sent on any file. These features help prevent cost overrun on files or inappropriate debts.

Superior Technological Integration: COSMOS features a legal process "wizard" for managing legal proceedings. It includes a document scanning/imaging system and supports built-in text and email functionalities. The system also offers optional digital predictive dialer and mail outsourcing services. Easy importing and exporting of data and online web access are available.

Portfolio Management Console - Roger: COSMOS incorporates adaptive decision trees guided by machine learning. Roger, the Portfolio Management Console, monitors database fields and collection activity. It identifies customers' preferred contact medium and prioritizes accounts with the highest propensity to pay. Users can perform bulk actions with appropriate templates designated for each customer's criteria.

Robo Dialer: COSMOS includes a fully integrated VoIP dialer with answering machine detection capability. The Robo Dialer can leave robotic messages on voicemails/answering machines without human intervention. Roger monitors the Robo Dialer in real-time to ensure optimal dialing times and compliance.

System Installation and Integration: COSMOS can be installed and operational within two weeks. Migration can be done on a client-by-client basis to minimize productivity issues. Users can import form letters and templates from MS Word. Creation of various account and client types is straightforward.

Data Visualization: COSMOS provides powerful data visualization tools to help users analyze and present data in a visually appealing and understandable way. Users can create various charts, graphs, and visual representations of data to identify patterns, trends, and insights. The data visualization features allow users to customize the appearance and layout of the visualizations according to their specific needs. Users can easily share their visualizations with others by exporting them as images or interactive dashboards.

Data Analysis: COSMOS offers advanced data analysis capabilities to help users uncover valuable insights and make data-driven decisions. Users can perform various statistical analyses, including descriptive statistics, regression analysis, and hypothesis testing. The software provides built-in functions and algorithms for data manipulation, transformation, and aggregation. Users can apply filters, create calculated fields, and explore data from different angles through data slicing and dicing.

Data Integration: COSMOS allows users to import data from multiple sources, including databases, spreadsheets, and external files. The software supports various data formats and provides tools for data cleansing and transformation. Users can merge and combine data from different sources to create unified datasets for analysis. COSMOS also offers data integration with external systems and APIs, enabling seamless data exchange and automation.

Collaboration and Sharing: COSMOS includes collaboration features that allow users to work together on data analysis projects. Users can share datasets, visualizations, and reports with team members, facilitating collaboration and knowledge sharing. The software provides version control and tracking capabilities to keep track of changes and revisions made by different users. Users can leave comments, annotations, and feedback on shared content, promoting communication and collaboration.