Sergel
“Can a Nordic credit management incumbent own the full credit lifecycle — from scoring and decisioning through collections and payment recovery — by embedding modern open-banking and payment infrastructure?”
Sergel was founded in 1988 as a Nordic debt collection and credit management services company. Over time, it expanded its offering across the full credit life cycle — from credit scoring and decisioning through to debt recovery — serving transaction-intensive industries such as telecoms, utilities, banking, and finance. The company has since integrated modern payment infrastructure (including open banking via Trustly) to streamline installment payment collection, reflecting a shift from purely back-office recovery toward technology-enabled credit lifecycle management.