Measurable impact

Quantifying the value of clarity in financial communication

Clear results. For companies, municipalities, and society.

We’ve modelled the financial effect of eliminating language barriers for hard-to-reach customer segments. When communication becomes clear and accessible, both losses and operational costs drop significantly while social outcomes improve measurably.

Enterprises

Across sectors, the impact is consistent. If organisations align the performance of their hard-to-reach customers with their main portfolio, the results are substantial:

  • Banks: Average savings of SEK 2 million/month driven by reduced credit losses

  • Energy providers: savings of SEK 2 million/month, primarily thorugh improved payment compliance and lower customer service volumes.

  • Telecom companies: About SEK 250 000/month from fewer missed payments and support contacts.

  • Landlords: up to SEK 300 000/month due to more timely rent payments and fewer evictions or collection actions.

The combined effect is a lower cost of risk, improved operational efficiency, and stronger customer retention, achieved simply by making communication understandable.

Society

Over-indebtedness has lifelong consequences. More than 100,000 people in Sweden remain in Kronofogden’s register for life, excluded from housing, employment, and financial services.

  • Even a small debt of SEK 3,000 can grow to SEK 79,000 in just five years without early intervetion.

  • Language and cultural barriers amplify the problem, delaying help and increasing the risk of long-term exclusion.

By breaking these barriers early, Bill prevents unnecessary defaults, reduces social costs, and supports long-term financial health and inclusion, thus enabling both economic and human recovery.

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