Ahmet Bilen in Business Rap

12/08/2026

Dynamic Management, Growing Together—and Why AI Means Symbiosis in Banking

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In the short Business Rap we meet Ahmet Bilen, Director of Banking & Financial Services at coeo.

Risk Management at Banks:
Just check off the checklist, or actually take control?

Take control

“The risk behavior of banks and consumers is constantly changing, so we need to manage it dynamically.”

Receivable Management:
An extension of the bank or an independent discipline?

A Discipline in Its Own Right

“It's a discipline in its own right, but it's always coordinated with—or carried out hand in hand with—the bank to achieve the best possible results.”

AI in Banking:
A Promise of Efficiency or Genuine Transformation?

True Transformation

“It's not just about efficiency, but also about genuine value creation and necessity, since customers demand quick solutions.”

Debtor Communication:
Automated or in person?

Definitely both

“coeo is a pioneer in offering both options. The customer decides, and both must work well. However, there are limitations depending on the asset class, as automated communication isn't suitable for every situation.”

Banks and Responsibility:
When a receivable goes bad, should you distance yourself or take the entire customer lifecycle into account?

Thinking Through the Entire Customer Lifecycle

“Since even unconventional customers deserve a positive experience, and the choice of a debt collection partner is important to ensure that it is a good fit for the bank.”

Data Quality:
A basic requirement or still an underestimated bottleneck?

Basic requirement

“The more data, the more tools for debt collection.”

Agent-Based AI in Financial Processes:
Loss of control or gain of control?

Gain of Control

“Our cAI team establishes meaningful guidelines that the AI consistently follows.”

AI and People in Banking:
Symbiosis or Separation?

Symbiosis

“There will always be a need for people who can see the entire cycle through in order to address individual needs—even if it takes a lot of time.”

Measuring Progress:
Return rate or customer satisfaction?

Both

“The results are important for coeo, the banks, and debtors alike. coeo achieves top scores in Google ratings and recovery rates.”

Financial Sector Regulation:
A barrier to innovation or a necessary foundation?

Regulation as a Symbiosis

“Regulation is an important foundation, but it must be continually reviewed to ensure that it remains appropriate and does not become a hindrance.”

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Dynamic Management, Growing Together—and Why AI Means Symbiosis in Banking

Risk Management at Banks:
Just check off the checklist, or actually take control?

Take control

Receivable Management:
An extension of the bank or an independent discipline?

A Discipline in Its Own Right

AI in Banking:
A Promise of Efficiency or Genuine Transformation?

True Transformation

Debtor Communication:
Automated or in person?

Definitely both

Banks and Responsibility:
When a receivable goes bad, should you distance yourself or take the entire customer lifecycle into account?

Thinking Through the Entire Customer Lifecycle

Data Quality:
A basic requirement or still an underestimated bottleneck?

Basic requirement

Agent-Based AI in Financial Processes:
Loss of control or gain of control?

Gain of Control

AI and People in Banking:
Symbiosis or Separation?

Symbiosis

Measuring Progress:
Return rate or customer satisfaction?

Both

Financial Sector Regulation:
A barrier to innovation or a necessary foundation?

Regulation as a Symbiosis

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Take control

Receivable Management: An extension of the bank or an independent discipline?

A Discipline in Its Own Right

AI in Banking: A Promise of Efficiency or Genuine Transformation?

True Transformation

Debtor Communication: Automated or in person?

Definitely both

Banks and Responsibility: When a receivable goes bad, should you distance yourself or take the entire customer lifecycle into account?

Thinking Through the Entire Customer Lifecycle

Data Quality: A basic requirement or still an underestimated bottleneck?

Basic requirement

Agent-Based AI in Financial Processes: Loss of control or gain of control?

Gain of Control

AI and People in Banking: Symbiosis or Separation?

Symbiosis

Measuring Progress: Return rate or customer satisfaction?

Both

Financial Sector Regulation: A barrier to innovation or a necessary foundation?

Regulation as a Symbiosis

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Bleib auf dem Laufenden mit unseren Network News

Risk Management at Banks:
Just check off the checklist, or actually take control?

Receivable Management:
An extension of the bank or an independent discipline?

AI in Banking:
A Promise of Efficiency or Genuine Transformation?

Debtor Communication:
Automated or in person?

Banks and Responsibility:
When a receivable goes bad, should you distance yourself or take the entire customer lifecycle into account?

Data Quality:
A basic requirement or still an underestimated bottleneck?

Agent-Based AI in Financial Processes:
Loss of control or gain of control?

AI and People in Banking:
Symbiosis or Separation?

Measuring Progress:
Return rate or customer satisfaction?

Financial Sector Regulation:
A barrier to innovation or a necessary foundation?