PAIR Finance implements data-driven debt collection in medical practices for Nelly Solutions.
Nelly Solutions x PAIR Finance.
In healthcare in particular, where every claim involves a person with a medical concern, respectful, solution-oriented communication matters all the more. A personalised, fair and empathetic approach is therefore not merely an ambition, but a prerequisite.
Rapid company growth: Nelly was scaling fast and needed a debt collection partner able to keep pace both operationally and technically.
Fraud risks and data quality: In healthcare financing, reliable risk assessment and fraud detection are decisive.
A fintech mindset as a basic requirement: What was needed was not a conventional debt collection provider, but a genuine technology partner with the same drive and the same customer focus.
The partnership began back in late 2023, and from March 2024 debt collection was running at full speed. Since then, data-driven insights at customer level have helped Nelly understand its own portfolio better – a sound basis for managing risk more precisely and independently. PAIR Finance also supports data quality: validated findings from ongoing collection flow back to Nelly, so the shared data basis keeps improving.
Consumers are treated individually through AI-based communication: which claim takes priority? When is the best moment to make contact? New fraud detection features are also being developed and tested together. The next major milestone is imminent: at the end of July 2026, the direct API integration goes live, noticeably reducing manual effort on both sides.
From the first cases to today, the partnership has grown considerably – a journey PAIR Finance has supported operationally and technically from the very start. What makes this success particularly telling is the sensitive context: behind these open claims lies no consumer purchase, but people with a health concern and it is precisely here that a fair, effective approach works.
PAIR Finance reaches people, addresses them individually and fairly, and guides them to a solution. Just how effective the data-driven, behaviour-based method is becomes clear in a recovery rate of over 65% on medical claims – including the judicial dunning procedure. Added to that are measurably better data quality and a consistently sensitive approach to consumers.
In healthcare, an open claim is something quite different from retail: no one gets treatment for the pleasure of it. Behind almost every claim is a person who was ill or had a health concern, and for us they are not a bad customer just because an invoice is outstanding. PAIR Finance shares exactly that attitude: people are addressed fairly and respectfully, not put under pressure. What convinces me most is that this works even where several claims come together.
Head of Risk
Nelly Solutions
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