Credit ecosystems: transparency, timely processes, traceability

29 Oct 2025

Clear rules, specialized structures, and reliable technologies to preserve credit quality

Stronger credit ecosystems emerge where clear regulation, specialized organizations, and reliable technologies meet. In recent years, regulatory evolution has redefined procedures, responsibilities, and operating margins for public guarantees, requiring dedicated expertise, rigorous governance, and effective collaboration between guarantors and beneficiaries. In this context, external servicers—together with lending institutions and guarantee bodies (MCC, SACE)—make processes more transparent, timely, and traceable across the entire guarantee lifecycle.

At the heart of the discussion: execution, control, and portfolio quality. From compliance with new rules to standardized workflows, up to the integration of digital platforms that ensure continuity in relations with guarantors, reduce operational risk, and enable granular performance monitoring. The goal is to accelerate reliable, auditable, and scalable processes while safeguarding credit quality.

These topics were addressed by Andrea Botta, Head of Financial Services – Guarantee Instruments and Incentives for Ordinary and Structured Finance at RINA Prime Credit Asset Management, during the NPL&UTP event, sharing operational practices and technological levers that strengthen efficiency, transparency, and accountability in guarantee management.