European Credit Challange is protected and registered at the SIAE by Credit Village


In the Credit Management Industry – NPE market; Collection; Credit Information & Investigation and finally, Innovation & Technology – it was missing a modern, uniform and impartial system for the evaluation of players, policies and managers in Europe and Italy.
The ECC project – European Credit Challenge, was created precisely to map the players in the credit industry ecosystem at a national and European level, identify the best practices on the most significant KPIs to fully assess a company and consequently assign the “ECC score” in order to create an ATLAS of the best on the market.

European Credit Challenge

Through meticulous mapping, the ECC aims to periodically identify not only the leading players in the credit ecosystem at national and European level but, above all, to indicate best practices to all, assigning the “ECC score” and creating an ATLAS of the best on the market.

The ECC – European Credit Challenge – is the first continuous benchmarking model in Europe that not only provides a score, but also a competitive challenge to select and highlight the best companies and managers in the credit management industry on an annual basis, to be rewarded at a special event.

The KPIs that form the basis of the ECC score will not only assess the quantitative ones (which can be easily identified from the financial statements), but will also take into account qualitative ones, such as sustainability, attention to compliance, performance, brand positioning, use of innovation tools – elements and values that today are essential to compete effectively in the national and European market.

Compartments competing in the challenge

KPIs: Key Performance Indicators

ESG: sustainability (Environment, Social, Governance), Performances, Compliance and Certifications, Brand Positioning and Tech and Innovation Tools

ESG: sustainability (Environment Social, Governance

The ESG criteria represent a series of tools for measuring and monitoring performance in relation to environmental, social and corporate governance impact, which should inspire companies activities.

ESG criteria represent an approach to knowledge and analysis of companies increasingly used in the financial world as a platform for assessing the sustainability of investments and as an assessment of company performance, together with traditional economic parameters.

This KPI will therefore highlight the best actions in terms of sustainability carried out by companies and the ESG projects in progress.

On a scale from 1 to 10, all the projects that will be presented by the companies will be evaluated.

CREDIT VILLAGE will create a first starting list that will be visible on the CVM Champs platform, which can be implemented with self-nominations. All projects will then be evaluated by the Credit Village Study Center and classified by the ECC Committee periodically.

The evaluation criteria are articulated in the document reserved for the members of the ECC Committee.


This KPI will be defined through the contribution of:

  • the players in the race in self-assessment (subsequently verified),
  • reports from a representative sample of client companies,
  • analysis and monitoring of the Credit Village Study Center,
  • ECC Committee audits.


In this KPI everyone, companies and managers, will be able to feed the initial list, provided for the ESG, with sectoral compliance policies and participation in associations, forums, committees, national and / or European federations.

In particular, participation in organizations and / or association aimed at encouraging the adoption of ethical codes, social dialogue and conciliatory and friendly solutions to any disputes will be taken into consideration.

Therefore, reducing reputational risks, at the same time reduces costs, avoiding possible sanctions and helping to increase the economic result.

The evaluation scale, always from 1 to 10, will emerge in self-evaluation and will be known only after the application has been sent.

The evaluation criteria are articulated in the document reserved for the members of the ECC Committee.

Brand Positioning

Positioning is the process that allows you to define the position that the services provided by the brand occupy in the mind of customers in order to distinguish themselves from competitors and acquire a competitive advantage.

The brand positioning therefore implies a differentiation strategy of the brand which, as a rule, is identified on the basis of the specific quality or the distinctive benefit that it is able to offer and for which it is known / perceived by the consumer: for example reliability, professionalism, functionality, efficiency, convenience, innovation, etc.

More specifically, the positioning derives from the formulation of a value offer which constitutes the deep motivation that drives a certain group of customers to prefer one brand over another. It therefore implies a company decision about the choice of the benefits of the brand that can make it gain a unique and well-defined space in the minds of potential customers.

It concretely differentiates one’s brand from those of competitors by identifying an element (tangible or intangible) that makes it unique or at least recognizable in the eyes of the consumer.

Basically, those elements and KPIs designed to associate values with a service, a brand, an organization will be taken into consideration. In this sense, the positioning is composed of:

1) brand reputation in the market,

2) feeling of trust and solidity from customers and / or stakeholders,

3) communication actions taken to amplify the promotion of corporate values,

4) impact in terms of knowledge, familiarity, attention and sense of community, that the brand has on the market,

The evaluation criteria are articulated in the document reserved for the members of the ECC Committee.

Tech & Innovation Tool

The development of technology is rapidly transforming the economy and society in which we live. Innovations and digital services change consumer preferences and spending habits, modify production and distribution processes, redesign the boundaries of companies and markets, redefine the content and management methods of business processes.

Artificial intelligence, in particular, applied to customer profiling allows us to offer increasingly personalized products and services; robot, chatbot, callbot, etc. open up new opportunities for the automation of production activities.

The speed with which the frontier of technological knowledge advances, pushes companies to increase investments in intangible assets (research & development, acquisition of software and specialist skills, corporate training), increasing their weight within the balance sheets.

From 2007 to 2018, the share of intangible assets held by Italian companies almost doubled, to around 20%, reaching the average of the OECD countries, but, despite the progress made in recent years, the spread of the digital economy in Italy is taking place more slowly compared to the main European countries.

Innovation involves every segment of the banking, financial and credit services markets: payment services (instant payment), automated advisory services in asset management (robo-advisors), consumer and business credit (crowd- funding and peer-to-peer financing), virtual currencies (Bitcoin, etc.), decentralized transaction validation technologies (blockchain or DTL – Distributed Ledger Technology), support for credit analysis and evaluation processes (cloud computing and big data). The innovation tools dedicated to collection and judicial recovery (chat bots, call bots, AI, scoring, expert systems, etc.). Asset evaluation and optimization through innovative tools (proptech).

This KPI will highlight the adoption of programs and functionalities – including AI (Artificial Intelligence) and machine learning – which are most effective and successful in the entire credit sector.

Based on a first list created by the Credit Village Study Center – and verified by the ECC Committee – on public data, found on the network, individual operators will be able to promote their peculiarities through self-application, in order to bring out the innovation and technologies within their systems and processes.

The scale of value on the innovative and technological profile is always from 1 to 10 and will be assigned by proven experts of the individual subjects within the ECC Committee.

The evaluation criteria are articulated in the document reserved for the members of the ECC Committee.

Applications for the 2023 edition of the ECC contest are closed. All updates on our LinkedIn page, for info write to

Registrations for ECC 2024 are open!

ECC Committee

  • Primary role and direction of the initiative
  • It will meet to analyze the partial results and validate the two partial and final rankings
  • Proven experts at national and European level​
  • Chaired by Tinguely, Former President FENCA & Board Member WIR Bank


A new magazine, a special edition of Credit Village Magazine, will accompany the project: CVM CHAMPS!
The magazine, which will be published three times a year in DIGITAL format in Italian and English, will keep the public informed about what is happening around the European Credit Challenge through in-depth articles, interviews and dossiers, as well as reports on the events dedicated to the ECC, and will share best practices on the main issues related to the KPIs of reference for the ECC score.



Credit Village presents the Champs of the European Credit Challenge and the first Credit Industry Atlas

The CVDAY Gala Dinner will host this year’s first edition of the ECC Night!!!
On the evening of 28 November from 7pm in the evocative location of The Gallery, in the heart of Milan, Credit Village will present the 5 Champs of the first edition of the European Credit Challenge and the first Atlas of the credit industry.
The evening will then continue with a Networking Gala Dinner.
An exclusive and unmissable evening to network with key players in the industry and to create new business opportunities!
Who will be the winners of the first edition of the European Credit Challenge? We will find out together during the evening!
Hurry up and send your application, don’t miss the chance to be among the protagonists of the evening!