ArDAX

Turning arrears data into actionable decisions across the full delinquency lifecycle.

ArDAX

ArDAX is a specialized enterprise decision analytics data model for financial institutions managing complex portfolios across loan servicing, debt collection, restructuring, and legal or extra-judicial processes.

Acting as a centralized decision analytics and business intelligence hub, ArDAX integrates seamlessly with operational systems such as AroTRON and SaveIT, consolidating data into a governed single source of truth for internal stakeholders and downstream systems.

Built for scale and speed, ArDAX enables executive and risk teams to analyze, monitor, and govern business-critical data with precision, supporting strategic portfolio decisions, regulatory compliance, and operational efficiency across multiple jurisdictions.

Benefits

ArDAX enables reliable, high-performance access to business-critical loan servicing, arrears and recoveries data, supporting executive reporting, historical insight, analytical modeling, and regulatory disclosures. As a governed single source of truth, it ensures consistent, auditable information across operational systems, analytics teams, and external integrations.

Fast deployment & time-to-value

Delivered with a pre-built data model and ETL processes, ArDAX achieves 60–70% readiness upon installation. Gap Analysis drives tailored extensions to post-deployment.

Accelerated reporting & analytics

Rapid deployment of reports using SSRS, Power BI, and SSAS Tabular models. ArDAX abstracts database complexity, enabling fast, high-performance reporting without burdening OLTP systems.

Natural language insights with DANA

The Data Analytics Assistant (DANA) allows business users to query data using natural language, delivering instant, production-ready visualizations and insights — no technical expertise required.

Streamlined data extraction & compliance

Pre-configured ETL jobs support contractual obligations and regulatory reporting (e.g., Central Banks’ Reporting, EBA), with customizable workflows for each institution.

High-performance data access

Analyze millions of records in seconds. Data is accessible both on premises and via the cloud, ensuring flexibility and scalability.

Customizable & extensible architecture

A documented data dictionary enables clients to build bespoke reports. Extensions can be developed by ArDAX or client teams to enrich the data model with domain-specific fields.

Capabilities

ArDAX brings together everything a collections and recoveries team needs to turn data into decisions. Its core capabilities include a robust analytical data model for fast, accurate access to information, intuitive dashboards and reports for monitoring portfolio performance and legal actions, automated export processes for external stakeholders and regulators, and DANA, a user, first analytics assistant that delivers trusted, natural-language insights without technical skills.

Dimensional data model (star schema)

Optimized for analytics, integration, and regulatory reporting.

Management dashboards & reports

Monitor KPIs across promises, claims, portfolios, legal actions, and more. Includes a library of ready-to-use reports.

Historical data tracking

Dynamic historicity for key dimensions (Customer, Account, Property) with automated record creation upon field changes.

Granular security controls

Row-level access ensures users only see data relevant to their portfolios and products.

Regulatory modules

Integrated support for Bank of Greece-Central Credit Registry and EBA-NPL reporting, fulfilling monthly obligations for credit institutions and servicers.

DANA – (Data Analytics Assistant)

Transforms data exploration into a dialogue. DANA empowers teams to move from question to insight in minutes, reducing analyst workload and accelerating decision-making.

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