Pretius. Built Smarter: Strategic merger as an answer to modern challenges
Pretius. Built Smarter:
Strategic merger as an answer to modern challenges

Self-service e-commerce and debt-collection platform for a business-information provider

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Company

Country

–

Industry

Financial services / Business information

System

Customer self-service portal / E-commerce & debt collection

Executive summary: A single digital front door to business-information and debt-collection services

01

Client

The client is a major provider of business and economic information and debt-collection services in Central Europe, part of a larger financial-sector group. Its business depends on letting customers access financial reports, buy services, and pursue overdue receivables, all in an environment governed by strict data-protection and financial-information law. Before this project, none of that could be done by customers on their own.

02

The core challenge

The client needed to digitize the sale and servicing of its business-information and debt-collection products. The critical gap was the absence of an integrated self-service channel: customers had no way to buy services, sign contracts online, or manage the debt-collection process without going through the company's staff directly. Making matters harder, the underlying processes were scattered across separate CRM, billing, and provisioning systems, which made fast order fulfillment difficult.

03

Solution delivered

Pretius delivered a comprehensive customer self-service system built on the Liferay Portal platform that became the central point of contact between customers and the client's services. The portal was tightly integrated with the client's IT estate, connecting through an MQ message bus to the billing and provisioning systems and through Web Services to CRM and BackOffice. It introduced digital contract signing, online payments, and counterparty and liability management, and its standout feature was an automated debt-collection module that hands overdue cases to external collection firms once a defined waiting period has elapsed.
Key outcomes:
  • A new e-commerce revenue channel:
    The platform opened an efficient online sales channel for the client, letting customers buy services directly.
  • Heavy automation of manual work:
    Automating document flow and debt-collection handoffs dramatically reduced manual interventions in service activation and operations.
  • 24/7 customer access:
    Customers gained round-the-clock access to financial reports and full control over the status of their debt-collection cases.
  • Compliance by design:
    The solution met the rigorous requirements of the applicable personal-data-protection and business-information-disclosure law, and passed financial and personal data security audits.

Client background

The client sits at the center of its market's business-information ecosystem. It provides economic and financial information and supports debt collection, which places it in one of the most tightly regulated corners of the financial sector. Handling this kind of data is not like running an ordinary online store: the legal obligations around who may see what, and under what conditions, are demanding, and the penalties for getting them wrong are severe.

That regulatory weight is the backdrop to the whole engagement. The company needed to modernize how it sold and serviced its products, but it had to do so without compromising on data protection or the specific rules governing the disclosure of business information. The prize was significant. A self-service digital channel would let customers transact at any hour and relieve the operational teams of a great deal of manual work. But reaching it meant weaving advanced financial processes, including settlements and commissions, together with debt-collection workflows, inside an environment with very high legal and security requirements, and doing it on top of core systems that had to stay consistent throughout.
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The business challenge: A fragmented process with no self-service front door

The services existed and the customers were there, but everything still had to pass through people and disconnected systems.
The central problem was the absence of a single, integrated self-service channel. A customer who wanted to buy a service, sign the contract for it, or check where a debt-collection case stood had no way to do any of it on their own. Every one of those actions required contact with the client's staff, which capped how fast the business could move and how many orders it could handle. Behind that customer-facing gap sat a deeper structural one: the processes were spread across separate CRM, billing, and provisioning systems, so even internally, fulfilling an order meant coordinating across tools that did not naturally talk to one another.

That situation created several concrete pressures:

  • No customer self-service:
    Customers could not independently purchase services, sign contracts online, or manage debt-collection cases, forcing every interaction through staff.
  • Fragmented back-end processes:
    Order handling was split across CRM, billing, and provisioning platforms, which slowed fulfillment and made a unified experience impossible.
  • Manual, staff-heavy operations:
    Without automation, service activation and case handling leaned heavily on manual intervention.
  • A demanding compliance environment:
    Everything had to be built to satisfy strict data-protection and business-information-disclosure law, with no room for shortcuts.

Solving the integration problem: an enterprise self-service portal

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The heart of this project was never just a website. It was the integration challenge underneath it. A self-service portal is only as good as its ability to reach into the systems that actually hold the customer's data, process their payments, provision their services, and track their cases. That meant the real engineering lived in the integration layer, connecting a customer-facing portal to a landscape of core financial systems built on different technologies, without ever letting the data between them fall out of sync.

Pretius delivered the portal on the Liferay Portal platform, chosen specifically for its flexibility as a framework for managing content and, critically, the permissions of external users. In a system where different customers may see different data under different legal conditions, fine-grained control over external-user access is not a feature to bolt on later. It is foundational, and it drove the platform choice.

The portal was then wired into the client's core systems through two complementary integration styles. An IBM WebSphere MQ message bus connected it to the billing and provisioning platforms, giving those transactional, asynchronous exchanges the reliability of a proper message queue. Web Services connected it to the CRM and BackOffice systems for the more request-driven interactions. Together these formed a stable enterprise application integration (EAI) layer, the connective tissue that let a single portal act as one coherent front door to many systems behind it.

The engagement was enterprise in scale and ran in multiple stages, beginning with requirements analysis and integration-architecture design in 2011 and progressing through the build of the self-service portal, the MQ and billing integration, the digital contract-signing module, and the financial-reporting module. It was delivered under a fixed-price model for the implementation stages and a time-and-materials model for ongoing maintenance and development, with Pretius acting as the main solution provider across development, analysis, and project management. The scope was deliberately bounded: full core accounting was left to dedicated systems rather than absorbed into the portal, keeping the platform focused on what it did best.

The delivery was built around four connected pillars:

01

A self-service commerce portal

The customer-facing core: a Liferay-based portal where customers buy services, sign contracts digitally, pay online, and manage their counterparties and liabilities. It turned a staff-mediated process into a genuine e-commerce channel available around the clock.

02

Digital contract signing and payments

Modules for signing contracts online and handling payments removed the paperwork and back-and-forth that had slowed customer onboarding, compressing the time from decision to active service.

03

An automated debt-collection engine

The standout capability: a "set and forget" mechanism that watches payment deadlines on the customer's behalf and automatically escalates overdue cases, passing them to external collection firms for amicable or judicial recovery once a defined waiting period expires. Automation here replaced a slow, manual, easy-to-miss process with a reliable one.

04

24/7 financial reporting

A dedicated reporting module gave customers round-the-clock access to the financial reports at the core of the company's value proposition, without needing to involve staff.

Technologies and key architectural decisions

Every major technical decision on this project served two masters at once: integration reliability and regulatory compliance.
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Liferay Portal for external-user control

The portal was built on Liferay Portal with Java and Spring MVC. Liferay was chosen for its strength in content management and, above all, in managing the permissions of external users, exactly the capability a multi-customer, compliance-bound portal cannot do without.
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An MQ and Web Services integration layer

Integration ran on IBM WebSphere MQ for the billing and provisioning connections and on Web Services for CRM and BackOffice, with ActiveMQ also in the mix. Splitting integration across a message bus for asynchronous, transactional flows and Web Services for request-driven ones is what gave the EAI layer its stability across a legacy landscape of mixed technologies.
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An Operational Data Store for consistency

A key architectural decision was to use an Operational Data Store (ODS) as a central repository of operational data for settlements and reporting. The ODS ensured information stayed consistent between the CRM and the self-service portal, and it later became the lever for relieving database load under heavy reporting demand.
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Data layer and serving

The system used PostgreSQL for its database, with an AngularJS and Freemarker front end served through Apache HTTPD and Apache Tomcat.

The team

Pretius acted as the main solution provider for the platform, fielding a full development, analysis, and project-management team across the engagement's implementation stages and its ongoing maintenance and development.

Navigating the hard parts: integration, law, and load

An enterprise financial platform of this kind carries risks that are easy to name in advance and hard to engineer around, and the team went in with a clear view of the three that mattered most.
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01

The complexity of integrating with legacy systems

Rated a high risk from the start, the integration spanned genuinely different technologies: MQ, Web Services, and multiple databases. The answer was to invest in a stable EAI integration layer rather than a set of point-to-point connections, giving the portal one dependable way to reach the systems behind it and containing the complexity in a single, well-designed tier.

02

A shifting legal landscape

Changes in the law governing business information and personal-data protection were rated a high risk, because in this sector the rules move and the system has to move with them. The mitigation was architectural: a modular build meant that when regulations changed, the affected parts could be updated without disturbing the whole, turning a recurring threat into routine maintenance.

03

Performance under mass reporting

The load that heavy, large-scale reporting placed on the PostgreSQL database was a medium risk that duly materialized. It was addressed by optimizing queries and leaning on the ODS to offload operational reporting, keeping the platform responsive even under demanding report generation.

Measured outcomes and business impact

A platform that became the online foundation of the client's business.

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A new e-commerce revenue channel

The platform created a modern online channel, reachable by customers directly, that opened an efficient new source of revenue for the client.
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Drastically fewer manual interventions

By automating document flow and the debt-collection process, the system sharply reduced the manual work involved in activating services and handling cases, freeing the operational teams for higher-value tasks.
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24/7 access and case control

Customers gained round-the-clock access to financial reports and full visibility and control over the status of their debt-collection cases, a step change in service quality.
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Security and compliance, proven

The solution delivered a high standard of data security and successfully passed audits of financial and personal data protection, satisfying the rigorous requirements of the applicable data-protection and business-information law.
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A foundation for continued growth

The client came away with a complete sales-and-collection ecosystem that underpins its online business and lets it bring new products to market quickly. The relationship has continued for years across the client's group, extending into further projects over time.

Conclusion

This project shows how a well-integrated self-service portal can turn a fragmented, staff-mediated operation into a round-the-clock digital business, even under the strictest regulatory conditions.

The client did not simply need a website. It needed a single digital front door that could sell services, sign contracts, take payments, and drive debt collection, all while reaching cleanly into a landscape of core financial systems and never stepping outside demanding data-protection and business-information law. By building the portal on Liferay for its external-user control, wiring it into billing, provisioning, CRM, and BackOffice through a stable MQ and Web Services integration layer, anchoring consistency with an Operational Data Store, and automating debt collection end to end, Pretius delivered exactly that.

The result opened a new e-commerce revenue channel, stripped a great deal of manual work out of operations, gave customers 24/7 control over their reports and cases, and passed the security and compliance audits that the sector demands. It has remained a foundation of the client's online business and a cornerstone of a partnership that has continued for years. For any regulated business trying to digitize a complex, multi-system process, this project is a case in point: the hard part is the integration, and getting it right is what makes everything else possible.

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