From payment moment to time of rest
One missed invoice can be the start of financial stress. For municipalities and fixed costs parties, this means more follow-up, higher costs and less time for customization. Our vision is simple and effective, do not treat the payment moment as an administrative final step, but as a strategic point of contact. With the right chain approach, you make collection predictable, you reduce costs and you help residents stay in control, human, safe and scalable. That is the core of our joint vision document with POM, Twikey and FinBuddy.
Why this is relevant now
Financial stress and debt remain persistent, even among young people. Governments balance execution and humanity, while residents want to act mobile and direct. When you organize the payment moment smartly, you make collection predictable and give residents peace of mind and overview.
The cover that works
Our vision is simple, the payment moment is a contact moment. Combine technology, insight and humanity and embed this in the chain, with legally valid permissions, coordination with income moments, automatic follow-up and accessible communication via the preferred channel, such as a letter with QR code, text message or email. This gives peace of mind to residents and to the organization.
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Proven impact (based on independent research)
- 95% pay more on time.
- 74% save more easily.
- Average rating of 9.3/10.
- 63% experience more control over their finances.
What does this mean in concrete terms for your municipality?
- Faster and predictable inning, through automatic follow-up in case of cancellations and smart timing.
- Less stress among residents, by adjusting to income moments and a clear, short microcopy.
- More accessible, via the resident's preferred channel, email, text message or just a letter, but with a qr code.
- Early signaling, real-time insight to prevent escalation.
- Control in the chain, one story from first message to completion.
Who does what
- POM, orchestrates payment moments, communication and links with payment channels.
- Twikey, supports legally valid permissions and collection processes, so that debts decrease.
- FinBuddy, helps residents keep an overview and build savings behavior, making payment moments less fraught. Together, we do not offer separate patches, but an integrated approach that gives the organization and residents peace of mind.
What you get in the document
You'll find the five steps from mandate to follow-up, a KPI framework for collection, experience and operation, a microcopy checklist and a compact pilot approach of twelve to sixteen weeks. We work honestly and securely, with privacy by design, data minimization and transparency, so that trust grows and resistance decreases.
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