Optimise the Income and Expenditure Process for your Customer

When your customers have trouble paying their bills or a loan repayment, it’s your responsibility to run a seamless income and expenditure journey with both sensitivity and practicality. Our platform Which50 can digitise this process for you, enabling your customers to supply all the information needed and to help you better manage the customer journey in operational terms.

streamlined debt collection journeys | Which50

A positive Income and Expenditure experience for you and your customer

A digitised customer experience can make a challenging process much easier for all. This way, you’ll be offering a solution that puts customer needs first and increases efficiencies for you too.

  • Reason 1

    Digitising the I&E assessment means you can put the customer in charge of when and where they fill in the form – and at the same time making the I&E process simple and easy to understand for them.

  • Reason 2

    Implementing an effective I&E assessment can be a time-consuming and expensive process. A digital–first approach can save on the time and resources required, helping to better streamline internal operations for your business.

  • Reason 3

    Which50 will prioritise compliance and give you confirmation that all compliance and regulatory targets are being met when it comes to completing this I&E assessment. You can run your process much leaner and cleaner with a secure digital–first approach.

Customer communication solutions for financial services

Which50 Income & Expenditure Features

Understand and manage your customers’ financial situations

Our cloud-based customer communications platform, Which50 is designed to meet the needs of businesses in highly regulated sectors. Key features combine to deliver a transformed I&E experience for customer and service provider alike. 

Better Customer Experiences

Having one single view of this process through Which50 allows you better understand your customers and their true financial situation. Your customers will also get more from a digitised process and will help increase customer education and accountability. When you improve customer communication, loyalty will also be enhanced and customer retention metrics improve. Ultimately, realistic and achievable payment strategies are easier to implement through a fully digitised approach.

Financial Services

Improved Operational Practices

The I&E process is well-known as a complex journey that can involve filing in lengthy forms which often require the assistance of contact centre agents. A fully-digitised platform like Which50 can help you improve efficiency by significantly reducing average call-handling times through pre-population and customer self-serve.  Research also tells us that digitisation will increase the rate of kept-payment arrangements.

Unified communications solutions for financial services | Which50

Enhanced Security

Sensitive customer scenarios demand high data-security levels. With multi-factor authentication (MFA) Which50 can help customers complete journeys across multiple devices by sending a passcode to your customer’s phone which allows them to return to the form as many times as they need to in order to complete the process. This means they might start filling in the form on their phone and then come back to it at a later stage on their laptop or PC, giving them a unified customer experience and complete flexibility in a secure environment.

Multi factor authentication (MFA) - uniified customer experience | Which50

Helping deliver Income and Expenditure (I&E) solutions across many industries

Our flexible and agile solution is built to handle the day-to-day challenges you will face with I&E assessments, no matter what your sector. 

customer acquisition


The energy and utility sectors have never been more competitive. A positive Income and Expenditure (I&E) experience will help reduce customer churn  .

customer acquisition


Cost to Serve is a key metric in many financial services. And by adopting Which50’s Income and Expenditure (I&E) process, you’re reducing your cost to serve, substantially reducing overall operational costs.

customer acquisition


Improve efficiency for your call centre by significantly reducing average call handling times through pre-population and customer self-serve.

Customer Testimonials
What others say

With customers worldwide, CustomerMinds has customers across finance, telecoms and utility sectors currently putting this easy-to-use content management system to use. We are pleased to share what our customer say about our customer journey management software from around the world.


From a business perspective we needed to implement a certain project that our legacy system couldn’t handle – research was carried out and we found CustomerMinds. Five years later and they are a really integral part of the bank – we can’t function without them.


I think the greatest asset of Which50 is the flexibility of the product, and the potential it has to improve the customer experience, whilst saving time and resources internally.


The main challenges that we were facing prior to CustomerMinds was linked to the limitations of our legacy business systems that meant creating customer communications channels proved difficult and time consuming.