Key Perfomance Indicators

ESG: Sustainability (Enviroment, 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.

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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.

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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.

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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.

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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.